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 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Efficiency ratio 1.16% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Indirect Auto Concentration (%): Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 18 that size in Oregon.
- Shares and deposits +0.5% year over year ($48.4M in shares and deposits).
- Membership: 5,882 members, -4.6% vs a year ago.
- Delinquency rate 1.60%.
- Return on assets 0.22%.
- Efficiency ratio 89.93% vs a 88.77% peer average.
- Loan-to-share ratio 70.87% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,882
-4.6% YoY-1.0% QoQ
|
+3.3K |
2,585
-1.7% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
Top 9.2% in tier |
| Assets |
$56.2M
+1.0% YoY+2.5% QoQ
|
+$26.0M |
$30.3M
+1.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$34.3M
-6.8% YoY-3.7% QoQ
|
+$18.8M |
$15.5M
-1.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Top 13.8% in tier |
| Deposits |
$48.4M
+0.5% YoY+1.8% QoQ
|
+$22.6M |
$25.8M
+1.1% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
0.2%
-60.5% YoY-9.4% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.8% in tier |
| NIM |
3.8%
-1.4% YoY-0.4% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
89.9%
+8.3% YoY+2.1% QoQ
|
+1.2% |
88.8%
-6.9% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
1.6%
+42.7% YoY+187.4% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
70.9%
-7.3% YoY-5.4% QoQ
|
+12.0% |
58.9%
-3.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$14,061
+2.0% YoY+0.5% QoQ
|
$-901 |
$14,963
-6.8% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
28.2%
+19.4% YoY-1.9% QoQ
|
+3.6% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % |
11.1%
-11.8% YoY-4.8% QoQ
|
-2.5% | 13.6% | 13.6% | 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)