BlastPoint's Credit Union Scorecard
KINGS PEAK
Charter #67160 · UT
KINGS PEAK has 11 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.80% above tier average
- + Strong member growth: 9.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 2.5% in tier
- + Deposit Growth Rate: Top 2.7% in tier
- + Member Growth Rate: Top 2.9% in tier
- + Loan-to-Member Ratio (LMR): Top 3.7% in tier
- + Loan Growth Rate: Top 4.0% in tier
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Total Loans: Top 6.0% in tier
- + Fee Income Per Member: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.12% above tier average
- - Share Certificate Concentration (%): Bottom 4.6% in tier
- - Net Worth Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,817
+9.6% YoY+3.2% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$65.7M
+17.0% YoY+9.3% QoQ
|
+$35.6M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Top 14.3% in tier |
| Loans |
$49.1M
+19.0% YoY+4.6% QoQ
|
+$33.3M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Top 6.1% in tier |
| Deposits |
$59.9M
+17.3% YoY+9.9% QoQ
|
+$34.2M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Top 12.4% in tier |
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| ROA |
1.4%
-8.6% YoY+1.4% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.9%
+0.7% YoY-1.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
61.9%
-1.6% YoY-1.0% QoQ
|
-20.6% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
2.7%
+32.7% YoY+60.9% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
81.9%
+1.5% YoY-4.8% QoQ
|
+21.3% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$28,545
+7.7% YoY+4.1% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 5.2% in tier |
| CD Concentration |
47.6%
+7.2% YoY-7.4% QoQ
|
+23.2% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)