BlastPoint's Credit Union Scorecard
RIDGELINE
Charter #7546 · UT
RIDGELINE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 11.28% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Net Interest Margin (NIM): Bottom 7.1% in tier
- - Share Certificate Concentration (%): Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 29 that size in Utah.
- Shares and deposits +3.3% year over year ($25.0M in shares and deposits).
- Membership: 1,495 members, -3.0% vs a year ago.
- Delinquency rate 0.91%.
- Return on assets 0.32%.
- Efficiency ratio 100.05% vs a 88.77% peer average.
- Loan-to-share ratio 50.79% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,495
-3.0% YoY0% QoQ
|
-1.1K |
2,585
-1.7% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$27.6M
+2.7% YoY+2.3% QoQ
|
$-2.6M |
$30.3M
+1.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$12.7M
-2.7% YoY+3.9% QoQ
|
$-2.7M |
$15.5M
-1.7% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$25.0M
+3.3% YoY+2.6% QoQ
|
$-755K |
$25.8M
+1.1% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
59% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-310.4% YoY-212.3% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
2.5%
+9.3% YoY-1.5% QoQ
|
-1.4% |
3.9%
+0.9% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
100.0%
+3.3% YoY+0.2% QoQ
|
+11.3% |
88.8%
-6.9% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate |
0.9%
-28.5% YoY+214.0% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
50.8%
-5.8% YoY+1.2% QoQ
|
-8.1% |
58.9%
-3.1% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$25,263
+4.3% YoY+3.0% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 8.6% in tier |
| CD Concentration |
37.3%
+7.7% YoY+1.3% QoQ
|
+12.8% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % |
5.3%
-6.2% YoY-12.7% QoQ
|
-8.3% | 13.6% | 6.3% | 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)