BlastPoint's Credit Union Scorecard
SAN JUAN
Charter #67163 · UT
SAN JUAN has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 2.69% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.68% above tier average
- - Member decline: -2.2% YoY
- - Net Charge-Off Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,050
-2.2% YoY-0.9% QoQ
|
+1.4K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$29.2M
+0.9% YoY-1.0% QoQ
|
$-952K |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$18.2M
+0.2% YoY-4.0% QoQ
|
+$2.4M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$25.0M
-0.1% YoY-1.2% QoQ
|
$-689K |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.9%
+178.3% YoY-9.8% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
6.6%
-1.0% YoY-0.9% QoQ
|
+2.7% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
80.7%
-1.4% YoY+4.2% QoQ
|
-1.9% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
2.2%
-23.3% YoY-8.3% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
72.8%
+0.4% YoY-2.8% QoQ
|
+12.1% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$10,664
+2.3% YoY-1.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
23.7%
-1.7% YoY+3.9% QoQ
|
-0.7% | 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)