BlastPoint's Credit Union Scorecard

LU 354 I B E W

Charter #9398 ยท UT

2596 CUs in <100M nationally 30 in UT

LU 354 I B E W has 6 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.91% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 2.7% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.7% in tier
  • + Average Member Relationship (AMR): Top 9.5% in tier
  • + Asset Growth Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.96% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 2,695
+1.9% YoY+0.8% QoQ
+69 2,625
-2.2% YoY
76,315
+6.4% YoY
33,089
+6.1% YoY
63%
Assets $40.8M
+9.4% YoY-4.2% QoQ
+$10.9M $29.9M
+1.1% YoY
$1.2B
+10.2% YoY
$547.7M
+7.8% YoY
70%
Loans $30.3M
+0.8% YoY+0.2% QoQ
+$14.6M $15.8M
-2.4% YoY
$924.9M
+10.2% YoY
$388.7M
+8.6% YoY
82%
Deposits $34.6M
+8.8% YoY-5.5% QoQ
+$9.1M $25.5M
+0.4% YoY
$1.1B
+10.6% YoY
$464.6M
+9.3% YoY
70%

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Tier 1
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ROA 1.6%
+56.6% YoY+1.5% QoQ
+0.9% 0.7%
-731.4% YoY
0.9%
+11.6% YoY
0.7%
+273.4% YoY
82%
NIM 3.8%
+0.6% YoY+1.6% QoQ
-0.1% 3.9%
+3.8% YoY
3.4%
+7.0% YoY
3.7%
+5.0% YoY
47%
Efficiency Ratio 60.0%
-8.3% YoY+0.0% QoQ
-21.4% 81.4%
-2.4% YoY
71.6%
-3.7% YoY
79.1%
-3.3% YoY
Bottom 14.1% in tier
Delinquency Rate 2.5%
+125.5% YoY+15.2% QoQ
+1.0 1.5%
-2.0% YoY
0.7%
+11.8% YoY
1.2%
-0.9% YoY
84%
Loan To Share 87.8%
-7.3% YoY+6.0% QoQ
+26.5% 61.2%
-3.0% YoY
78.2%
-2.6% YoY
68.0%
-1.7% YoY
Top 13.4% in tier
AMR $24,076
+2.9% YoY-3.7% QoQ
+$9K $14,627
-2.7% YoY
$21,167
+3.5% YoY
$19,418
+1.3% YoY
Top 9.6% in tier
CD Concentration 34.0%
+5.2% YoY+8.3% QoQ
+9.6% 24.4%
+4.2% YoY
27.9%
+4.6% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
7.4%
-10.5% YoY
7.9%
-2.9% YoY
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)

Comparing against 2596 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
70
Net Charge-Off Rate
risk
Value: -0.21%
Peer Avg: -
#70 of 2596 Top 2.7% in <100M tier
149
Loan-to-Member Ratio (LMR)
engagement
Value: $11,253
Peer Avg: -
#149 of 2596 Top 5.7% in <100M tier
248
Average Member Relationship (AMR)
engagement
Value: $24,076
Peer Avg: -
#248 of 2596 Top 9.5% in <100M tier
250
Asset Growth Rate
growth
Value: 9.39%
Peer Avg: -
#250 of 2596 Top 9.6% in <100M tier
297
Deposit Growth Rate
growth
Value: 8.77%
Peer Avg: -
#297 of 2596 Top 11.4% in <100M tier
344
Loan-to-Share Ratio
balance_sheet
Value: 87.76%
Peer Avg: -
#344 of 2596 Top 13.2% in <100M tier
367
Efficiency Ratio
profitability
Value: 60.04%
Peer Avg: -
#367 of 2596 Top 14.1% in <100M tier
458
Member Growth Rate
growth
Value: 1.93%
Peer Avg: -
#458 of 2596 Top 17.6% in <100M tier
464
Total Loans
balance_sheet
Value: $30.33M
Peer Avg: -
#464 of 2596 Top 17.8% in <100M tier

Top Weaknesses (2 metrics)

2269
Share Certificate Concentration (%)
balance_sheet
Value: 34.01%
Peer Avg: -
#2269 of 2596 Bottom 12.6% in <100M tier
2195
Total Delinquency Rate (60+ days)
risk
Value: 2.46%
Peer Avg: -
#2195 of 2596 Bottom 15.5% in <100M tier
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