BlastPoint's Credit Union Scorecard
RIDGELINE
Charter #7546 · UT
RIDGELINE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Efficiency ratio 16.93% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Net Interest Margin (NIM): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,500
-3.8% YoY-1.2% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$27.2M
-0.4% YoY-1.5% QoQ
|
$-3.0M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$12.3M
-11.2% YoY-1.1% QoQ
|
$-3.5M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$24.6M
-0.2% YoY-1.5% QoQ
|
$-1.1M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
-0.2%
-171.4% YoY-2421.3% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.1% in tier |
| NIM |
2.4%
-7.4% YoY+0.8% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.4% in tier |
| Efficiency Ratio |
99.5%
+12.7% YoY+6.2% QoQ
|
+16.9% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
0.6%
+56.9% YoY+10.3% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
50.0%
-11.0% YoY+0.3% QoQ
|
-10.6% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$24,565
-0.3% YoY-0.2% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 9.0% in tier |
| CD Concentration |
36.1%
+9.2% YoY+2.6% QoQ
|
+11.7% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
6.4%
+21.1% YoY+8.5% QoQ
|
-7.4% | 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)