BlastPoint's Credit Union Scorecard
UNITED TRADES
Charter #10442 · OR
UNITED TRADES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 2.20% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Indirect Auto Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,123
-2.7% YoY-0.7% QoQ
|
+3.5K |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
Top 8.9% in tier |
| Assets |
$55.7M
-1.6% YoY-0.0% QoQ
|
+$25.8M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$36.5M
+0.8% YoY-0.9% QoQ
|
+$20.7M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
Top 13.3% in tier |
| Deposits |
$47.7M
-3.5% YoY-1.0% QoQ
|
+$22.2M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
81% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+2.0% YoY+4.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.9%
+11.3% YoY+2.7% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
83.6%
-3.5% YoY+0.7% QoQ
|
+2.2% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.7%
-53.9% YoY-34.6% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
76.5%
+4.4% YoY+0.1% QoQ
|
+15.3% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$13,740
+1.1% YoY-0.3% QoQ
|
$-887 |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
24.6%
-8.2% YoY+4.3% QoQ
|
+0.2% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.4%
-7.2% YoY-1.8% QoQ
|
-1.6% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)