BlastPoint's Credit Union Scorecard

ELEVATE

Charter #9163 · UT

100M-500M

1070 CUs in 100M-500M nationally 12 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.83% above tier average
+ Net Worth Ratio: Top 2.6% in tier
+ Efficiency Ratio: Top 7.2% in tier
+ Total Delinquency Rate (60+ days): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 1.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	15,277 +2.5% YoY+0.5% QoQ	+131	15,145 -2.5% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	60%
Assets	$260.0M +6.0% YoY+4.3% QoQ	+$28.3M	$231.7M +0.8% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	66%
Loans	$159.0M +12.3% YoY-0.8% QoQ	+$14.9M	$144.1M +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	65%
Deposits	$206.3M +5.3% YoY+4.9% QoQ	+$5.1M	$201.1M +0.4% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	61%

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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	1.6% +9.8% YoY-8.4% QoQ	+0.8%	0.7% +5.1% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	Top 9.6% in tier
NIM	3.1% +3.4% YoY-1.1% QoQ	-0.6%	3.6% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	19%
Efficiency Ratio	58.9% -4.0% YoY+3.8% QoQ	-19.1%	78.0% -1.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	Top 7.2% in tier
Delinquency Rate	0.1% -55.8% YoY-45.2% QoQ	-0.7	0.8% +7.1% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	Top 7.9% in tier
Loan To Share	77.1% +6.6% YoY-5.4% QoQ	+6.7%	70.4% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	60%
AMR	$23,909 +5.6% YoY+1.8% QoQ	$-1K	$24,918 +2.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	56%
CD Concentration	49.3% +5.6% YoY-1.9% QoQ	+25.0%	24.3%	28.4%	19.8%	50%
Indirect Auto %	10.5% -18.1% YoY-2.9% QoQ	-3.3%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#126 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.49%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.56%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 10.55%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#192 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.49%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 10.55%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Wallet Share Momentum

growth

#421 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.58%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk

#51 of 126 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 20.43%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 77.10%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 20.43%

Peer Median: 11.45%

#29 of 1070 Top 2.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 58.93%

Peer Median: 78.68%

#78 of 1070 Top 7.2% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.61%

#86 of 1070 Top 7.9% in 100M-500M tier

103

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Median: 0.69%

#103 of 1070 Top 9.5% in 100M-500M tier

114

First Mortgage Concentration (%)

balance_sheet

Value: 8.42%

Peer Median: 29.47%

#114 of 1070 Top 10.6% in 100M-500M tier

121

Loan Growth Rate

growth

Value: 12.26%

Peer Median: 2.93%

#121 of 1070 Top 11.2% in 100M-500M tier

249

Member Growth Rate

growth

Value: 2.49%

Peer Median: -0.06%

#249 of 1070 Top 23.2% in 100M-500M tier

Top Weaknesses (2 metrics)

1051

Share Certificate Concentration (%)

balance_sheet

Value: 49.26%

Peer Median: 23.10%

#1051 of 1070 Bottom 1.9% in 100M-500M tier

869

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: 3.62%

#869 of 1070 Bottom 18.9% in 100M-500M tier