BlastPoint's Credit Union Scorecard

ELEVATE

Charter #9163 · UT

1069 CUs in 100M-500M nationally 13 in UT

ELEVATE has 7 strengths but faces 2 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

+ Organic Growth Engine: Top 19.2% in tier
+ Organic Growth Leader: Top 51.8% in tier
+ Wallet Share Momentum: Top 92.8% in tier
+ ROA 0.94% above tier average
+ Net Worth Ratio: Top 2.6% in tier
+ Efficiency Ratio: Top 4.6% in tier
+ Loan Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 47.8% in tier
- Share Certificate Concentration (%): Bottom 1.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	15,202 +2.4% YoY+0.1% QoQ	-235	15,437 -2.9% YoY	78,581 +8.3% YoY	33,374 +5.7% YoY	59%
Assets	$249.4M +4.4% YoY+0.3% QoQ	+$17.5M	$231.9M +1.3% YoY	$1.2B +12.9% YoY	$561.6M +9.7% YoY	63%
Loans	$160.2M +14.3% YoY+3.5% QoQ	+$12.9M	$147.3M -0.1% YoY	$958.3M +12.4% YoY	$397.0M +8.8% YoY	64%
Deposits	$196.6M +3.2% YoY-0.0% QoQ	$-4.2M	$200.8M +0.8% YoY	$1.1B +12.7% YoY	$477.3M +9.7% YoY	58%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.7% +31.6% YoY-1.0% QoQ	+0.9%	0.8% +18.2% YoY	0.8% +12.1% YoY	0.7% +15.9% YoY	Top 6.2% in tier
NIM	3.1% +23.3% YoY+0.8% QoQ	-0.5%	3.6% +6.7% YoY	3.4% +4.7% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	56.8% -6.5% YoY+0.1% QoQ	-20.2%	77.0% -3.1% YoY	72.6% -3.7% YoY	79.7% -3.3% YoY	Bottom 4.6% in tier
Delinquency Rate	0.2% -30.7% YoY+77.1% QoQ	-0.7	0.9% +4.2% YoY	1.0% +50.5% YoY	1.3% -2.1% YoY	Bottom 10.4% in tier
Loan To Share	81.5% +10.7% YoY+3.5% QoQ	+9.3%	72.2% -1.1% YoY	76.7% -4.3% YoY	67.4% -1.7% YoY	68%
AMR	$23,477 +5.4% YoY+1.4% QoQ	$-1K	$24,676 +3.4% YoY	$21,704 +5.2% YoY	$19,687 +2.0% YoY	55%
CD Concentration	50.2% +5.7% YoY+2.6% QoQ	+25.8%	24.4%	28.4%	19.8%	50%
Indirect Auto %	10.9% -19.9% YoY-6.4% QoQ	-2.9%	13.8%	7.4%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#115 of 595 • Top 19.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.70%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 10.86%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#221 of 426 • Top 51.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 10.86%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth

#476 of 513 • Top 92.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.36%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk

#65 of 135 • Bottom 47.8% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 20.89%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 81.49%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 20.89%

Peer Median: -

#29 of 1069 Top 2.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 56.79%

Peer Median: -

#50 of 1069 Top 4.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.70%

Peer Median: -

#66 of 1069 Top 6.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 14.32%

Peer Median: -

#91 of 1069 Top 8.4% in 100M-500M tier

112

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

114

First Mortgage Concentration (%)

balance_sheet

Value: 8.53%

Peer Median: -

#114 of 1069 Top 10.6% in 100M-500M tier

251

Member Growth Rate

growth

Value: 2.45%

Peer Median: -

#251 of 1069 Top 23.4% in 100M-500M tier

Top Weaknesses (2 metrics)

1055

Share Certificate Concentration (%)

balance_sheet

Value: 50.23%

Peer Median: -

#1055 of 1069 Bottom 1.4% in 100M-500M tier

827

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Median: -

#827 of 1069 Bottom 22.7% in 100M-500M tier