BlastPoint's Credit Union Scorecard
THE UNITED
Charter #21305 · WV
THE UNITED has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 2.79% above tier (higher cost structure)
- - Delinquency rate 2.33% above tier average
- - Total Deposits: Bottom 0.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Members Per Employee (MPE): Bottom 5.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in West Virginia.
- Shares and deposits +4.0% year over year ($78.9M in shares and deposits).
- Membership: 5,958 members, +0.1% vs a year ago.
- Delinquency rate 3.21%.
- Return on assets 0.63%.
- Efficiency ratio 79.52% vs a 76.73% peer average.
- Loan-to-share ratio 91.43% vs a 71.54% 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 (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,958
+0.1% YoY+0.1% QoQ
|
-9.2K |
15,168
-2.6% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 6.1% in tier |
| Assets |
$109.2M
+3.5% YoY+1.5% QoQ
|
$-122.8M |
$232.0M
+0.7% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.2% in tier |
| Loans |
$72.2M
+0.2% YoY+2.3% QoQ
|
$-74.1M |
$146.3M
+0.2% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$78.9M
+4.0% YoY+1.8% QoQ
|
$-121.8M |
$200.7M
+0.2% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.2% in tier |
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| ROA |
0.6%
-24.9% YoY+30.1% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
3.3%
+6.2% YoY+2.5% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
79.5%
+4.9% YoY-3.7% QoQ
|
+2.8% |
76.7%
-0.8% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
3.2%
-12.3% YoY+25.0% QoQ
|
+2.3 |
0.9%
+6.6% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.0% in tier |
| Loan To Share |
91.4%
-3.6% YoY+0.5% QoQ
|
+19.9% |
71.5%
-0.3% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
Top 12.0% in tier |
| AMR |
$25,359
+2.1% YoY+1.9% QoQ
|
+$252 |
$25,107
+3.2% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
36.0%
+1.5% YoY+3.8% QoQ
|
+11.5% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)