BlastPoint's Credit Union Scorecard
LU 354 I B E W
Charter #9398 · UT
LU 354 I B E W has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.8% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.15% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,647
+0.0% YoY-1.8% QoQ
|
+31 |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$40.1M
+6.0% YoY-1.8% QoQ
|
+$9.9M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$29.1M
-3.6% YoY-4.2% QoQ
|
+$13.3M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$33.6M
+4.6% YoY-2.7% QoQ
|
+$7.9M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
1.7%
+44.8% YoY+9.9% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
Top 10.7% in tier |
| NIM |
4.0%
+4.0% YoY+4.1% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
59.7%
-9.8% YoY-0.6% QoQ
|
-22.9% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
2.7%
+336.1% YoY+9.8% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Top 14.7% in tier |
| Loan To Share |
86.4%
-7.8% YoY-1.5% QoQ
|
+25.8% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 13.8% in tier |
| AMR |
$23,684
+0.6% YoY-1.6% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 10.7% in tier |
| CD Concentration |
34.6%
+3.7% YoY+1.7% QoQ
|
+10.2% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)