BlastPoint's Credit Union Scorecard
THE UNITED
Charter #21305 · WV
THE UNITED has 3 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- - 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
- - Liquidity Overhang: Bottom 45.1% 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
|
16% |
| 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 |
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| 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
|
51% |
| 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
|
26% |
| 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
|
33% |
| 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
|
63% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)