BlastPoint's Credit Union Scorecard

THE UNITED

Charter #21305 · WV

1069 CUs in 100M-500M nationally 8 in WV

THE UNITED has 2 strengths but faces 12 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

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 0.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.5% in tier
- Liquidity Overhang: Bottom 45.5% in tier
- Stagnation Risk: Bottom 48.1% in tier
- Membership Headwinds: Bottom 81.2% in tier
- Liquidity Strain: Bottom 96.9% in tier
- ROA 0.03% below tier average
- Delinquency rate 2.56% above tier average
- Total Deposits: Bottom 0.2% in tier
- Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- Total Assets: Bottom 4.3% in tier
- Members Per Employee (MPE): Bottom 5.2% in tier
- Total Members: Bottom 5.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	5,944 -1.2% YoY-0.2% QoQ	-9.5K	15,437 -2.9% YoY	5,083 -0.6% YoY	33,374 +5.7% YoY	Bottom 5.5% in tier
Assets	$106.3M +0.9% YoY+1.0% QoQ	$-125.5M	$231.9M +1.3% YoY	$69.7M +5.0% YoY	$561.6M +9.7% YoY	Bottom 4.2% in tier
Loans	$69.4M +0.0% YoY-2.2% QoQ	$-78.0M	$147.3M -0.1% YoY	$38.0M -0.4% YoY	$397.0M +8.8% YoY	15%
Deposits	$76.4M +0.3% YoY+1.1% QoQ	$-124.4M	$200.8M +0.8% YoY	$59.6M +4.6% YoY	$477.3M +9.7% 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	0.7% -37.0% YoY-4.7% QoQ	-0.0%	0.8% +18.2% YoY	0.9% +20.0% YoY	0.7% +15.9% YoY	48%
NIM	3.1% -2.9% YoY-1.1% QoQ	-0.5%	3.6% +6.7% YoY	3.9% +5.0% YoY	3.8% +5.1% YoY	24%
Efficiency Ratio	74.7% +6.2% YoY+2.8% QoQ	-2.3%	77.0% -3.1% YoY	74.6% -2.6% YoY	79.7% -3.3% YoY	40%
Delinquency Rate	3.4% +33.5% YoY+40.3% QoQ	+2.6	0.9% +4.2% YoY	1.4% -22.3% YoY	1.3% -2.1% YoY	Top 1.7% in tier
Loan To Share	90.8% -0.3% YoY-3.3% QoQ	+18.5%	72.2% -1.1% YoY	59.6% -5.3% YoY	67.4% -1.7% YoY	Top 12.6% in tier
AMR	$24,524 +1.4% YoY-0.3% QoQ	$-152	$24,676 +3.4% YoY	$14,830 +1.4% YoY	$19,687 +2.0% YoY	61%
CD Concentration	35.0% -3.8% YoY-0.0% QoQ	+10.5%	24.4%	15.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#54 of 705 • Bottom 7.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.86% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Overhang

risk

#62 of 135 • Bottom 45.5% in tier

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

Why This Signature

Net Worth Ratio: 27.98%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 90.76%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Stagnation Risk

risk

#267 of 554 • Bottom 48.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 3.45%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#450 of 554 • Bottom 81.2% in tier

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

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk

#221 of 228 • Bottom 96.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.76%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 0.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 27.98%

Peer Median: -

#6 of 1069 Top 0.5% in 100M-500M tier

135

Loan-to-Share Ratio

balance_sheet

Value: 90.76%

Peer Median: -

#135 of 1069 Top 12.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1068

Total Deposits

balance_sheet

Value: $76.42M

Peer Median: -

#1068 of 1069 Bottom 0.2% in 100M-500M tier

1052

Total Delinquency Rate (60+ days)

risk

Value: 3.45%

Peer Median: -

#1052 of 1069 Bottom 1.7% in 100M-500M tier

1024

Total Assets

balance_sheet

Value: $106.34M

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

1014

Members Per Employee (MPE)

engagement

Value: 204.966

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

1010

Total Members

engagement

Value: 5,944

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

911

Share Certificate Concentration (%)

balance_sheet

Value: 34.96%

Peer Median: -

#911 of 1069 Bottom 14.9% in 100M-500M tier

907

Total Loans

balance_sheet

Value: $69.36M

Peer Median: -

#907 of 1069 Bottom 15.2% in 100M-500M tier

874

First Mortgage Concentration (%)

balance_sheet

Value: 46.57%

Peer Median: -

#874 of 1069 Bottom 18.3% in 100M-500M tier

871

Deposit Growth Rate

growth

Value: 0.30%

Peer Median: -

#871 of 1069 Bottom 18.6% in 100M-500M tier

851

Asset Growth Rate

growth

Value: 0.92%

Peer Median: -

#851 of 1069 Bottom 20.5% in 100M-500M tier