BlastPoint's Credit Union Scorecard
LU 354 I B E W
Charter #9398 · UT
LU 354 I B E W demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Loan-to-Member Ratio (LMR): Top 6.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,640
-1.1% YoY-0.3% QoQ
|
-36 |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$39.9M
+1.8% YoY-0.4% QoQ
|
+$9.7M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$28.4M
-5.1% YoY-2.4% QoQ
|
+$13.1M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$33.4M
+0.1% YoY-0.8% QoQ
|
+$7.6M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.3%
-38.3% YoY-24.8% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
3.8%
+0.3% YoY-5.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
68.1%
+11.6% YoY+14.2% QoQ
|
-22.5% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate |
1.5%
-16.7% YoY-43.8% QoQ
|
+0.0 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
85.0%
-5.2% YoY-1.6% QoQ
|
+26.5% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 12.8% in tier |
| AMR |
$23,387
-1.3% YoY-1.3% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Top 11.6% in tier |
| CD Concentration |
35.3%
+5.6% YoY+2.0% QoQ
|
+11.0% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 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)