BlastPoint's Credit Union Scorecard

UNITED COMMUNITY

Charter #7415 · PA

1069 CUs in 100M-500M nationally 61 in PA

UNITED COMMUNITY has 3 strengths but faces 12 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 71.3% in tier
+ ROA 0.40% above tier average
+ Total Delinquency Rate (60+ days): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 5.9% in tier
- Membership Headwinds: Bottom 16.3% in tier
- Stagnation Risk: Bottom 21.7% in tier
- Institutional Decline: Bottom 31.0% in tier
- Credit Quality Pressure: Bottom 59.0% in tier
- Member decline: -6.4% YoY
- Indirect Auto Concentration (%): Bottom 2.0% in tier
- Total Loans: Bottom 4.3% in tier
- Loan-to-Share Ratio: Bottom 5.3% in tier
- Loan Growth Rate: Bottom 7.0% in tier
- Member Growth Rate: Bottom 7.2% in tier
- Loan-to-Member Ratio (LMR): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,524 -6.4% YoY-2.0% QoQ	-6.9K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	20%
Assets	$125.9M +4.4% YoY+0.2% QoQ	$-105.9M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	17%
Loans	$46.0M -6.9% YoY-2.9% QoQ	$-101.3M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Bottom 4.2% in tier
Deposits	$108.6M +2.9% YoY-0.3% QoQ	$-92.2M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	17%

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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	1.2% +34.6% YoY-28.8% QoQ	+0.4%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	78%
NIM	3.2% +9.4% YoY-10.6% QoQ	-0.5%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	25%
Efficiency Ratio	69.4% -10.7% YoY+13.8% QoQ	-7.7%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	24%
Delinquency Rate	0.2% +1408.8% YoY+47.7% QoQ	-0.7	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	Bottom 8.5% in tier
Loan To Share	42.4% -9.5% YoY-2.6% QoQ	-29.9%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	Bottom 5.2% in tier
AMR	$18,139 +6.6% YoY+0.9% QoQ	$-7K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	22%
CD Concentration	11.7% +13.9% YoY+2.3% QoQ	-12.7%	24.4%	15.5%	19.8%	50%
Indirect Auto %	61.0% -5.5% YoY-1.7% QoQ	+47.2%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#366 of 513 • Top 71.3% in tier

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

Why This Signature

AMR Growth (YoY): 6.57%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#31 of 506 • Bottom 5.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.37%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 61.00%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -6.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Membership Headwinds

decline

#91 of 554 • Bottom 16.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#121 of 554 • Bottom 21.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.89%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.17%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#75 of 240 • Bottom 31.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $125.94M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -6.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.89%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Credit Quality Pressure

risk

#416 of 705 • Bottom 59.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: -

#92 of 1069 Top 8.5% in 100M-500M tier

116

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

140

Share Certificate Concentration (%)

balance_sheet

Value: 11.70%

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

192

First Mortgage Concentration (%)

balance_sheet

Value: 13.81%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

235

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

259

Efficiency Ratio

profitability

Value: 69.36%

Peer Median: -

#259 of 1069 Top 24.1% in 100M-500M tier

Top Weaknesses (11 metrics)

1049

Indirect Auto Concentration (%)

balance_sheet

Value: 61.00%

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1024

Total Loans

balance_sheet

Value: $46.02M

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

1013

Loan-to-Share Ratio

balance_sheet

Value: 42.38%

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

995

Loan Growth Rate

growth

Value: -6.89%

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

993

Member Growth Rate

growth

Value: -6.36%

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

986

Loan-to-Member Ratio (LMR)

engagement

Value: $5,399

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier

890

Total Deposits

balance_sheet

Value: $108.60M

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

886

Total Assets

balance_sheet

Value: $125.94M

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

852

Total Members

engagement

Value: 8,524

Peer Median: -

#852 of 1069 Bottom 20.4% in 100M-500M tier

834

Average Member Relationship (AMR)

engagement

Value: $18,139

Peer Median: -

#834 of 1069 Bottom 22.1% in 100M-500M tier