BlastPoint's Credit Union Scorecard
UINTAH
Charter #67156 · UT
<100M
2508 CUs in <100M nationally
29 in UT
UINTAH has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.08% above tier average
- + Net Interest Margin 1.22% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 1.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
929
-0.9% YoY-1.0% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$4.0M
-10.1% YoY+0.5% QoQ
|
$-26.2M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$1.1M
-1.4% YoY+2.6% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.2% in tier |
| Deposits |
$3.2M
-14.7% YoY-0.5% QoQ
|
$-22.6M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
3.2%
+6.1% YoY+35.9% QoQ
|
+3.1% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
Top 1.7% in tier |
| NIM |
5.2%
+12.9% YoY+27.2% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
39.0%
+10.7% YoY-10.6% QoQ
|
-51.6% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
Top 1.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
34.8%
+15.6% YoY+3.1% QoQ
|
-23.7% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$4,625
-10.8% YoY+1.3% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
43
Return on Assets (ROA)
profitability
Value:
3.23%
Peer Median: 0.61%
#43 of 2508
Top 1.7% in <100M tier
49
Efficiency Ratio
profitability
Value:
39.01%
Peer Median: 81.45%
#49 of 2508
Top 1.9% in <100M tier
220
Net Interest Margin (NIM)
profitability
Value:
5.23%
Peer Median: 3.83%
#220 of 2508
Top 8.7% in <100M tier
236
Net Charge-Off Rate
risk
Value:
-0.11%
Peer Median: 0.07%
#236 of 2508
Top 9.4% in <100M tier
507
Net Worth Ratio
risk
Value:
20.56%
Peer Median: 14.28%
#507 of 2508
Top 20.2% in <100M tier
Top Weaknesses (10 metrics)
2436
Deposit Growth Rate
growth
Value:
-14.69%
Peer Median: 0.66%
#2436 of 2508
Bottom 2.9% in <100M tier
2397
Asset Growth Rate
growth
Value:
-10.07%
Peer Median: 1.30%
#2397 of 2508
Bottom 4.5% in <100M tier
2351
AMR Growth Rate
growth
Value:
-10.85%
Peer Median: 1.27%
#2351 of 2508
Bottom 6.3% in <100M tier
2334
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,194
Peer Median: $4,923
#2334 of 2508
Bottom 7.0% in <100M tier
2308
Average Member Relationship (AMR)
engagement
Value:
$4,625
Peer Median: $13,926
#2308 of 2508
Bottom 8.0% in <100M tier
2209
Fee Income Per Member
profitability
Value:
$2.76
Peer Median: $60.42
#2209 of 2508
Bottom 12.0% in <100M tier
2202
Total Loans
balance_sheet
Value:
$1.11M
Peer Median: $9.48M
#2202 of 2508
Bottom 12.2% in <100M tier
2114
Total Assets
balance_sheet
Value:
$4.02M
Peer Median: $21.86M
#2114 of 2508
Bottom 15.7% in <100M tier
2103
Loan-to-Share Ratio
balance_sheet
Value:
34.81%
Peer Median: 58.72%
#2103 of 2508
Bottom 16.2% in <100M tier
2102
Total Deposits
balance_sheet
Value:
$3.19M
Peer Median: $18.77M
#2102 of 2508
Bottom 16.2% in <100M tier