BlastPoint's Credit Union Scorecard
ELEVATE
Charter #9163 · UT
ELEVATE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.97% above tier average
- + Net Worth Ratio: Top 2.8% in tier
- + Efficiency Ratio: Top 3.3% in tier
- + First Mortgage Concentration (%): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Share Certificate Concentration (%): Bottom 1.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Utah.
- Shares and deposits +5.0% year over year ($205M in shares and deposits).
- Membership: 15,277 members, +1.2% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 1.83%.
- Efficiency ratio 53.68% vs a 76.73% peer average.
- Loan-to-share ratio 76.92% vs a 71.54% 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 |
15,277
+1.2% YoY0% QoQ
|
+108 |
15,168
-2.6% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$260.3M
+5.9% YoY+0.1% QoQ
|
+$28.3M |
$232.0M
+0.7% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$157.7M
+7.7% YoY-0.9% QoQ
|
+$11.4M |
$146.3M
+0.2% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$205.0M
+5.0% YoY-0.6% QoQ
|
+$4.3M |
$200.7M
+0.2% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
60% |
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 |
1.8%
+13.9% YoY+17.2% QoQ
|
+1.0% |
0.9%
+12.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
Top 5.7% in tier |
| NIM |
3.3%
+9.1% YoY+8.6% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
53.7%
-8.9% YoY-8.9% QoQ
|
-23.1% |
76.7%
-0.8% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
Top 3.3% in tier |
| Delinquency Rate |
0.2%
+19.8% YoY+102.3% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
Top 13.9% in tier |
| Loan To Share |
76.9%
+2.6% YoY-0.2% QoQ
|
+5.4% |
71.5%
-0.3% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$23,737
+4.8% YoY-0.7% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
50.5%
+5.6% YoY+2.5% QoQ
|
+26.0% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % |
10.7%
-14.2% YoY+1.2% QoQ
|
-3.0% | 13.6% | 6.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)