THE UNITED

Charter #21305 | WV

100M-500M (1077 CUs) Micro
8 100M-500M in WV

THE UNITED has 6 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 23.8% in tier
  • + Emerging Performer: Top 25.0% in tier
  • + Relationship Depth Leader: Top 32.3% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 0.4% in tier
  • + Loan-to-Share Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 11.2% in tier
  • - Liquidity Overhang: Bottom 14.9% in tier
  • - Membership Headwinds: Bottom 18.0% in tier
  • - Liquidity Strain: Bottom 23.0% in tier
  • - Cost Spiral: Bottom 24.7% in tier
  • - Margin Compression: Bottom 24.8% in tier
  • - ROA 0.01% below tier average
  • - Delinquency rate 1.60% above tier average
  • - Member decline: -2.3% YoY
  • - Total Deposits: Bottom 0.3% in tier
  • - Total Assets: Bottom 3.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.1% in tier
  • - Members Per Employee (MPE): Bottom 4.7% in tier
  • - Total Members: Bottom 5.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 5,957
-2.3% YoY+0.1% QoQ
 -9.7K 15,628
-3.4% YoY
 5,095
+0.6% YoY
 33,089
+6.1% YoY
 Bottom 5.3% in tier
Assets $105.3M
+0.9% YoY-0.2% QoQ
 $-126.0M $231.3M
-0.0% YoY
 $68.6M
+3.5% YoY
 $547.7M
+7.8% YoY
 Bottom 3.2% in tier
Loans $70.9M
+2.0% YoY-1.5% QoQ
 $-76.9M $147.8M
-1.4% YoY
 $38.2M
+0.9% YoY
 $388.7M
+8.6% YoY
 Bottom 15.8% in tier
Deposits $75.6M
+0.1% YoY-0.4% QoQ
 $-124.7M $200.3M
-0.0% YoY
 $58.7M
+3.0% YoY
 $464.6M
+9.3% YoY
 Bottom 0.2% in tier
ROA 0.8%
-39.7% YoY-8.3% QoQ
 -0.0% 0.8%
+15.5% YoY
 1.0%
+49.4% YoY
 0.7%
+273.4% YoY
 51st in tier
NIM 3.2%
-3.4% YoY+1.6% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.9%
+3.9% YoY
 3.7%
+5.0% YoY
 26th in tier
Efficiency Ratio 72.7%
+7.4% YoY-4.1% QoQ
 -4.6% 77.3%
-3.0% YoY
 72.7%
-3.2% YoY
 79.1%
-3.3% YoY
 33rd in tier
Delinquency Rate 2.5%
-18.0% YoY-32.9% QoQ
 +1.6 0.9%
+7.6% YoY
 1.3%
-29.4% YoY
 1.2%
-0.9% YoY
 Top 4.1% in tier
Loan To Share 93.8%
+1.8% YoY-1.1% QoQ
 +21.1% 72.7%
-1.5% YoY
 60.8%
-6.8% YoY
 68.0%
-1.7% YoY
 Top 9.3% in tier
AMR $24,589
+3.4% YoY-1.0% QoQ
 +$226 $24,363
+2.9% YoY
 $14,844
+2.4% YoY
 $19,418
+1.3% YoY
 63rd in tier
CD Concentration 35.0%
+4.2% YoY-1.5% QoQ
 +10.6% 24.4%
+4.2% YoY
 16.2%
+7.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.3%
-13.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#658 of 1006 • Top 23.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.38%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#470 of 627 • Top 25.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.28%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#890 of 1006 • Top 32.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.38%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk
#185 of 550 • Bottom 11.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.28%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 34.98%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#231 of 552 • Bottom 14.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 28.09%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 93.83%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Membership Headwinds

decline
#298 of 550 • Bottom 18.0% in tier

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

Why This Signature
Member Growth (YoY): -2.28%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk
#179 of 258 • Bottom 23.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.83%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.98%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Cost Spiral

risk
#61 of 62 • Bottom 24.7% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.01% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $105.32M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline
#105 of 136 • Bottom 24.8% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.51% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $105.32M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
5
Net Worth Ratio
risk
Value: 28.09%
Peer Avg: 12.15%
#5 of 1077 Top 0.4% in 100M-500M tier
100
Loan-to-Share Ratio
balance_sheet
Value: 93.83%
Peer Avg: 72.70%
#100 of 1077 Top 9.2% in 100M-500M tier
266
Loan-to-Member Ratio (LMR)
engagement
Value: $11,903
Peer Avg: $10,245
#266 of 1077 Top 24.6% in 100M-500M tier

Top Weaknesses (12 metrics)

1075
Total Deposits
balance_sheet
Value: $75.57M
Peer Avg: $200.29M
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1043
Total Assets
balance_sheet
Value: $105.32M
Peer Avg: $231.30M
#1043 of 1077 Bottom 3.2% in 100M-500M tier
1034
Total Delinquency Rate (60+ days)
risk
Value: 2.46%
Peer Avg: 0.86%
#1034 of 1077 Bottom 4.1% in 100M-500M tier
1027
Members Per Employee (MPE)
engagement
Value: 205.414
Peer Avg: 332.881
#1027 of 1077 Bottom 4.7% in 100M-500M tier
1020
Total Members
engagement
Value: 5,957
Peer Avg: 15,628
#1020 of 1077 Bottom 5.4% in 100M-500M tier
921
Share Certificate Concentration (%)
balance_sheet
Value: 34.98%
Peer Avg: 23.61%
#921 of 1077 Bottom 14.6% in 100M-500M tier
907
Total Loans
balance_sheet
Value: $70.91M
Peer Avg: $147.80M
#907 of 1077 Bottom 15.9% in 100M-500M tier
888
First Mortgage Concentration (%)
balance_sheet
Value: 46.94%
Peer Avg: 30.43%
#888 of 1077 Bottom 17.6% in 100M-500M tier
865
Net Charge-Off Rate
risk
Value: 0.70%
Peer Avg: 0.47%
#865 of 1077 Bottom 19.8% in 100M-500M tier
861
Deposit Growth Rate
growth
Value: 0.14%
Peer Avg: 4.69%
#861 of 1077 Bottom 20.1% in 100M-500M tier