BlastPoint's Credit Union Scorecard
KINGS PEAK
Charter #67160 · UT
KINGS PEAK has 12 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + Net Interest Margin 0.01% above tier average
- + Strong member growth: 8.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 2.1% in tier
- + Deposit Growth Rate: Top 2.4% in tier
- + Loan-to-Member Ratio (LMR): Top 3.7% in tier
- + Member Growth Rate: Top 3.8% in tier
- + Loan Growth Rate: Top 4.1% in tier
- + Average Member Relationship (AMR): Top 5.7% in tier
- + Fee Income Per Member: Top 6.0% in tier
- + Total Loans: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.16% above tier average
- - Share Certificate Concentration (%): Bottom 2.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,699
+8.8% YoY+1.8% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$60.1M
+18.6% YoY+1.8% QoQ
|
+$30.2M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$46.9M
+17.9% YoY+4.6% QoQ
|
+$31.1M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Top 6.7% in tier |
| Deposits |
$54.5M
+18.5% YoY+1.4% QoQ
|
+$29.0M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
85% |
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| ROA |
1.4%
-12.7% YoY+10.8% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.9%
-3.4% YoY+3.3% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
62.5%
+0.1% YoY-1.3% QoQ
|
-18.9% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.7%
+0.6% YoY-6.6% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
86.1%
-0.5% YoY+3.1% QoQ
|
+24.8% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
85% |
| AMR |
$27,410
+8.7% YoY+1.1% QoQ
|
+$13K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Top 5.8% in tier |
| CD Concentration |
51.4%
+10.8% YoY-1.0% QoQ
|
+26.9% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
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)