BlastPoint's Credit Union Scorecard
NEPHI WESTERN EMPLOYEES
Charter #6920 · UT
NEPHI WESTERN EMPLOYEES has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.74% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.8% in tier
- + Loan-to-Share Ratio: Top 4.7% in tier
- + Members Per Employee (MPE): Top 7.8% in tier
- + Loan-to-Member Ratio (LMR): Top 8.8% in tier
- + Efficiency Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - First Mortgage Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,938
-2.3% YoY-0.4% QoQ
|
+322 |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$45.2M
+1.4% YoY-0.1% QoQ
|
+$15.0M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$28.9M
-1.8% YoY-1.3% QoQ
|
+$13.2M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$29.4M
+0.1% YoY-0.6% QoQ
|
+$3.7M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
1.4%
-10.5% YoY-0.0% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.5%
+4.5% YoY+2.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
58.1%
+1.6% YoY+4.7% QoQ
|
-24.5% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
0.2%
-12.4% YoY+90.7% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
98.5%
-1.9% YoY-0.7% QoQ
|
+37.8% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 4.9% in tier |
| AMR |
$19,843
+1.5% YoY-0.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
35.9%
+15.7% YoY+2.9% QoQ
|
+11.5% | 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)