BlastPoint's Credit Union Scorecard
NEPHI WESTERN EMPLOYEES
Charter #6920 · UT
NEPHI WESTERN EMPLOYEES has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.24% above tier average
- + Net Worth Ratio: Top 3.8% in tier
- + Loan-to-Share Ratio: Top 5.8% in tier
- + Members Per Employee (MPE): Top 8.2% in tier
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - First Mortgage Concentration (%): Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,916
-2.4% YoY-0.7% QoQ
|
+239 |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$46.1M
+3.8% YoY+2.0% QoQ
|
+$15.9M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$28.2M
-4.0% YoY-2.6% QoQ
|
+$12.9M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$30.1M
+3.7% YoY+2.5% QoQ
|
+$4.3M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
1.4%
+1.1% YoY+1.9% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
3.3%
+0.9% YoY-5.3% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
57.9%
+4.3% YoY-0.3% QoQ
|
-32.7% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
Top 10.0% in tier |
| Delinquency Rate |
0.1%
-55.1% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
93.5%
-7.4% YoY-5.0% QoQ
|
+35.0% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 5.9% in tier |
| AMR |
$19,988
+2.3% YoY+0.7% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
78% |
| CD Concentration |
39.4%
+21.9% YoY+9.9% QoQ
|
+15.2% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 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)