BlastPoint's Credit Union Scorecard

UNITED TRADES

Charter #10442 · OR

<100M

2508 CUs in <100M nationally 17 in OR

UNITED TRADES has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.10% above tier average
+ Total Members: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Member decline: -5.4% YoY
- Indirect Auto Concentration (%): Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	5,943 -5.4% YoY-3.1% QoQ	+3.3K	2,676 +1.6% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	Top 8.9% in tier
Assets	$54.9M -3.6% YoY-3.2% QoQ	+$24.7M	$30.2M +1.3% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	80%
Loans	$35.6M +0.1% YoY+0.3% QoQ	+$20.3M	$15.3M -2.0% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	Top 12.8% in tier
Deposits	$47.5M -4.1% YoY-3.3% QoQ	+$21.8M	$25.8M +0.7% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	80%

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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	0.2% -60.2% YoY+28.2% QoQ	+0.1%	0.1% -77.6% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	32%
NIM	3.8% +4.5% YoY-2.8% QoQ	-0.2%	4.0% +4.0% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	88.1% +8.1% YoY-0.8% QoQ	-2.6%	90.6% +6.5% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	0.6% -49.0% YoY+10.4% QoQ	-0.9	1.5% +3.8% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	46%
Loan To Share	74.9% +4.4% YoY+3.6% QoQ	+16.4%	58.5% -3.0% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	74%
AMR	$13,995 +3.2% YoY+1.3% QoQ	$-889	$14,884 -1.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	50%
CD Concentration	28.7% +20.2% YoY+2.5% QoQ	+4.4%	24.3%	16.7%	19.8%	50%
Indirect Auto %	11.7% -16.0% YoY-4.6% QoQ	-2.1%	13.8%	13.7%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

222

Total Members

engagement

Value: 5,943

Peer Median: 1,918

#222 of 2508 Top 8.8% in <100M tier

281

Members Per Employee (MPE)

engagement

Value: 540.273

Peer Median: 333.750

#281 of 2508 Top 11.2% in <100M tier

322

Total Loans

balance_sheet

Value: $35.63M

Peer Median: $9.48M

#322 of 2508 Top 12.8% in <100M tier

494

Total Deposits

balance_sheet

Value: $47.54M

Peer Median: $18.77M

#494 of 2508 Top 19.7% in <100M tier

506

Total Assets

balance_sheet

Value: $54.88M

Peer Median: $21.86M

#506 of 2508 Top 20.1% in <100M tier

Top Weaknesses (6 metrics)

2314

Indirect Auto Concentration (%)

balance_sheet

Value: 11.67%

Peer Median: 0.00%

#2314 of 2508 Bottom 7.8% in <100M tier

2115

Member Growth Rate

growth

Value: -5.38%

Peer Median: -1.37%

#2115 of 2508 Bottom 15.7% in <100M tier

2076

First Mortgage Concentration (%)

balance_sheet

Value: 34.37%

Peer Median: 3.66%

#2076 of 2508 Bottom 17.3% in <100M tier

2028

Share Certificate Concentration (%)

balance_sheet

Value: 28.70%

Peer Median: 12.45%

#2028 of 2508 Bottom 19.2% in <100M tier

2018

Asset Growth Rate

growth

Value: -3.61%

Peer Median: 1.30%

#2018 of 2508 Bottom 19.6% in <100M tier

1962

Deposit Growth Rate

growth

Value: -4.14%

Peer Median: 0.66%

#1962 of 2508 Bottom 21.8% in <100M tier