BlastPoint's Credit Union Scorecard

ELEVATE

Charter #9163 · UT

1077 CUs in 100M-500M nationally 13 in UT

ELEVATE has 8 strengths but faces 7 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 6.1% in tier
+ Organic Growth Leader: Top 14.6% in tier
+ Credit Quality Leader: Top 22.4% in tier
+ Profitability Leader: Top 23.6% in tier
+ ROA 0.93% above tier average
+ Net Worth Ratio: Top 2.6% in tier
+ Efficiency Ratio: Top 5.3% in tier
+ Total Delinquency Rate (60+ days): Top 6.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 4.0% in tier
- Deposit Outflow: Bottom 6.2% in tier
- Liquidity Overhang: Bottom 36.1% in tier
- Deposit Growth Rate: Bottom 0.5% in tier
- Asset Growth Rate: Bottom 1.0% in tier
- Share Certificate Concentration (%): Bottom 2.0% in tier
- AMR Growth Rate: Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	15,182 +2.8% YoY+0.6% QoQ	-446	15,628 -3.4% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	58%
Assets	$248.5M -9.1% YoY+1.1% QoQ	+$17.2M	$231.3M -0.0% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	63%
Loans	$154.8M +9.2% YoY+5.8% QoQ	+$7.0M	$147.8M -1.4% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	62%
Deposits	$196.7M -12.9% YoY+0.7% QoQ	$-3.6M	$200.3M -0.0% YoY	$1.1B +10.6% YoY	$464.6M +9.3% 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	1.7% +40.7% YoY+7.2% QoQ	+0.9%	0.8% +15.5% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	Top 6.8% in tier
NIM	3.1% +24.6% YoY+0.7% QoQ	-0.5%	3.6% +6.9% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	23%
Efficiency Ratio	56.8% -9.3% YoY-3.7% QoQ	-20.5%	77.3% -3.0% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	Bottom 5.3% in tier
Delinquency Rate	0.1% -58.0% YoY-39.0% QoQ	-0.7	0.9% +7.6% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	Bottom 6.3% in tier
Loan To Share	78.7% +25.4% YoY+5.0% QoQ	+6.0%	72.7% -1.5% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	60%
AMR	$23,151 -6.9% YoY+2.3% QoQ	$-1K	$24,363 +2.9% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	54%
CD Concentration	48.9% +27.8% YoY+2.3% QoQ	+24.5%	24.4% +4.2% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	11.6% -19.6% YoY-6.7% QoQ	-2.4%	14.0% -5.7% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#112 of 603 • Top 6.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.78%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.72%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 11.61%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#193 of 430 • Top 14.6% in tier

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

Why This Signature

Member Growth (YoY): 2.78%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 11.61%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Credit Quality Leader

growth

#77 of 340 • Top 22.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.12%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.17% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Profitability Leader

growth

#81 of 340 • Top 23.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.72%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.50% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (3)

Shrinking Wallet Share

decline

#41 of 244 • Bottom 4.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.94%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Deposit Outflow

decline

#6 of 81 • Bottom 6.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -12.87%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 2.78%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

Liquidity Overhang

risk

#49 of 134 • Bottom 36.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 20.55%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 78.71%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 20.55%

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 56.75%

Peer Avg: -

#58 of 1077 Top 5.3% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.72%

Peer Avg: -

#73 of 1077 Top 6.7% in 100M-500M tier

125

First Mortgage Concentration (%)

balance_sheet

Value: 8.96%

Peer Avg: -

#125 of 1077 Top 11.5% in 100M-500M tier

192

Loan Growth Rate

growth

Value: 9.22%

Peer Avg: -

#192 of 1077 Top 17.7% in 100M-500M tier

234

Member Growth Rate

growth

Value: 2.78%

Peer Avg: -

#234 of 1077 Top 21.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1073

Deposit Growth Rate

growth

Value: -12.87%

Peer Avg: -

#1073 of 1077 Bottom 0.5% in 100M-500M tier

1067

Asset Growth Rate

growth

Value: -9.09%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1056

Share Certificate Concentration (%)

balance_sheet

Value: 48.95%

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1046

AMR Growth Rate

growth

Value: -6.94%

Peer Avg: -

#1046 of 1077 Bottom 3.0% in 100M-500M tier

832

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Avg: -

#832 of 1077 Bottom 22.8% in 100M-500M tier