BlastPoint's Credit Union Scorecard
RIDGELINE
Charter #7546 · UT
RIDGELINE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 4.8% in tier
- + Average Member Relationship (AMR): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 12.33% above tier (higher cost structure)
- - Member decline: -19.5% YoY
- - Member Growth Rate: Bottom 1.7% in tier
- - Net Interest Margin (NIM): Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,518
-19.5% YoY-1.5% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$27.6M
-4.9% YoY+2.6% QoQ
|
$-2.2M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$12.4M
-12.8% YoY-4.9% QoQ
|
$-3.3M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$24.9M
-5.3% YoY+2.8% QoQ
|
$-526K |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
59% |
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| ROA |
0.0%
-98.5% YoY-104.5% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
2.3%
-5.6% YoY+1.9% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio |
93.7%
+15.6% YoY-3.2% QoQ
|
+12.3% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.5%
+368.6% YoY-58.6% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
49.9%
-7.9% YoY-7.5% QoQ
|
-11.4% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$24,608
+14.3% YoY+1.6% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Top 8.6% in tier |
| CD Concentration |
35.2%
+36.8% YoY+1.7% QoQ
|
+10.8% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.9%
+4.7% YoY+4.8% QoQ
|
-8.1% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
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)