BlastPoint's Credit Union Scorecard

RIDGELINE

Charter #7546 · UT

<100M

2508 CUs in <100M nationally 29 in UT

RIDGELINE has 1 strength but faces 5 concerns

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Average Member Relationship (AMR): Top 9.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.43% below tier average
- Efficiency ratio 9.24% above tier (higher cost structure)
- Member decline: -3.7% YoY
- Net Interest Margin (NIM): Bottom 8.5% in tier
- Share Certificate Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	1,495 -3.7% YoY-0.3% QoQ	-1.2K	2,676 +1.6% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	41%
Assets	$27.0M -2.6% YoY-0.6% QoQ	$-3.2M	$30.2M +1.3% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	56%
Loans	$12.2M -7.5% YoY-0.3% QoQ	$-3.0M	$15.3M -2.0% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	57%
Deposits	$24.4M -2.7% YoY-0.6% QoQ	$-1.4M	$25.8M +0.7% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	58%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3% -24.9% YoY+78.0% QoQ	-0.4%	0.1% -77.6% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	16%
NIM	2.5% +12.2% YoY+7.9% QoQ	-1.5%	4.0% +4.0% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	Bottom 8.5% in tier
Efficiency Ratio	99.9% -5.3% YoY+0.4% QoQ	+9.2%	90.6% +6.5% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	0.3% -18.9% YoY-50.2% QoQ	-1.2	1.5% +3.8% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	34%
Loan To Share	50.2% -5.0% YoY+0.3% QoQ	-8.3%	58.5% -3.0% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	36%
AMR	$24,516 -0.6% YoY-0.2% QoQ	+$10K	$14,884 -1.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	Top 9.3% in tier
CD Concentration	36.9% +11.6% YoY+2.0% QoQ	+12.6%	24.3%	28.4%	19.8%	50%
Indirect Auto %	6.1% +10.9% YoY-5.4% QoQ	-7.7%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

233

Average Member Relationship (AMR)

engagement

Value: $24,516

Peer Median: $13,926

#233 of 2508 Top 9.3% in <100M tier

287

Net Charge-Off Rate

risk

Value: -0.07%

Peer Median: 0.07%

#287 of 2508 Top 11.4% in <100M tier

413

Loan-to-Member Ratio (LMR)

engagement

Value: $8,191

Peer Median: $4,923

#413 of 2508 Top 16.4% in <100M tier

Top Weaknesses (8 metrics)

2296

Net Interest Margin (NIM)

profitability

Value: 2.55%

Peer Median: 3.83%

#2296 of 2508 Bottom 8.5% in <100M tier

2261

Share Certificate Concentration (%)

balance_sheet

Value: 36.85%

Peer Median: 12.45%

#2261 of 2508 Bottom 9.9% in <100M tier

2253

Indirect Auto Concentration (%)

balance_sheet

Value: 6.07%

Peer Median: 0.00%

#2253 of 2508 Bottom 10.2% in <100M tier

2165

Net Worth Ratio

risk

Value: 9.53%

Peer Median: 14.28%

#2165 of 2508 Bottom 13.7% in <100M tier

2117

Efficiency Ratio

profitability

Value: 99.87%

Peer Median: 81.45%

#2117 of 2508 Bottom 15.6% in <100M tier

2103

Return on Assets (ROA)

profitability

Value: -0.28%

Peer Median: 0.61%

#2103 of 2508 Bottom 16.2% in <100M tier

1972

First Mortgage Concentration (%)

balance_sheet

Value: 29.30%

Peer Median: 3.66%

#1972 of 2508 Bottom 21.4% in <100M tier

1891

Asset Growth Rate

growth

Value: -2.57%

Peer Median: 1.30%

#1891 of 2508 Bottom 24.6% in <100M tier