BlastPoint's Credit Union Scorecard

THE UNITED

Charter #21305 · WV

100M-500M

1070 CUs in 100M-500M nationally 8 in WV

THE UNITED has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Worth Ratio: Top 0.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 4.56% above tier (higher cost structure)
- Delinquency rate 1.79% above tier average
- Total Deposits: Bottom 0.2% in tier
- Total Delinquency Rate (60+ days): Bottom 2.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	5,950 -0.3% YoY+0.1% QoQ	-9.2K	15,145 -2.5% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	Bottom 6.1% in tier
Assets	$107.6M +2.0% YoY+1.2% QoQ	$-124.1M	$231.7M +0.8% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	Bottom 5.7% in tier
Loans	$70.5M +0.4% YoY+1.7% QoQ	$-73.6M	$144.1M +0.2% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	17%
Deposits	$77.5M +1.8% YoY+1.4% QoQ	$-123.6M	$201.1M +0.4% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	Bottom 0.1% in tier

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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	0.5% -34.5% YoY-34.0% QoQ	-0.2%	0.7% +5.1% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	35%
NIM	3.2% +5.5% YoY+3.2% QoQ	-0.4%	3.6% +4.6% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	82.6% +7.3% YoY+10.6% QoQ	+4.6%	78.0% -1.7% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	2.6% -0.4% YoY-25.6% QoQ	+1.8	0.8% +7.1% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	Bottom 2.8% in tier
Loan To Share	91.0% -1.4% YoY+0.2% QoQ	+20.6%	70.4% -0.4% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	Top 10.2% in tier
AMR	$24,880 +1.4% YoY+1.4% QoQ	$-38	$24,918 +2.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	61%
CD Concentration	34.7% -1.6% YoY-0.6% QoQ	+10.5%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#286 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.58%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Liquidity Overhang

risk

#64 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 27.76%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 90.97%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Liquidity Strain

risk

#177 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.97%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.38%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 27.76%

Peer Median: 11.45%

#6 of 1070 Top 0.5% in 100M-500M tier

109

Loan-to-Share Ratio

balance_sheet

Value: 90.97%

Peer Median: 71.88%

#109 of 1070 Top 10.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1069

Total Deposits

balance_sheet

Value: $77.52M

Peer Median: $171.29M

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1041

Total Delinquency Rate (60+ days)

risk

Value: 2.57%

Peer Median: 0.61%

#1041 of 1070 Bottom 2.8% in 100M-500M tier

1012

Members Per Employee (MPE)

engagement

Value: 205.172

Peer Median: 309.176

#1012 of 1070 Bottom 5.5% in 100M-500M tier

1009

Total Assets

balance_sheet

Value: $107.62M

Peer Median: $196.57M

#1009 of 1070 Bottom 5.8% in 100M-500M tier

1005

Total Members

engagement

Value: 5,950

Peer Median: 13,200

#1005 of 1070 Bottom 6.2% in 100M-500M tier

915

Share Certificate Concentration (%)

balance_sheet

Value: 34.74%

Peer Median: 23.10%

#915 of 1070 Bottom 14.6% in 100M-500M tier

885

Total Loans

balance_sheet

Value: $70.52M

Peer Median: $121.41M

#885 of 1070 Bottom 17.4% in 100M-500M tier

850

First Mortgage Concentration (%)

balance_sheet

Value: 44.90%

Peer Median: 29.47%

#850 of 1070 Bottom 20.7% in 100M-500M tier