BlastPoint's Credit Union Scorecard
UNITED NEIGHBORHOOD
Charter #24683 · GA
UNITED NEIGHBORHOOD has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.65% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.69% below tier average
- - Efficiency ratio 11.18% above tier (higher cost structure)
- - Delinquency rate 2.31% above tier average
- - Member decline: -3.9% YoY
- - Asset Growth Rate: Bottom 6.9% in tier
- - Deposit Growth Rate: Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
623
-3.9% YoY-3.0% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$3.1M
-8.5% YoY-1.5% QoQ
|
$-27.1M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.1% in tier |
| Loans |
$1.8M
-15.0% YoY-6.8% QoQ
|
$-13.4M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$2.8M
-9.1% YoY-1.2% QoQ
|
$-23.0M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.5% in tier |
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| ROA |
-1.5%
+77.5% YoY+1519.2% QoQ
|
-1.7% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.1% in tier |
| NIM |
4.7%
+0.7% YoY-4.6% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
101.8%
+1.1% YoY+6.7% QoQ
|
+11.2% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate |
3.8%
+101.5% YoY-33.0% QoQ
|
+2.3 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.2% in tier |
| Loan To Share |
66.1%
-6.5% YoY-5.6% QoQ
|
+7.6% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$7,387
-8.0% YoY-0.6% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
8.6%
-30.9% YoY+15.1% QoQ
|
-15.7% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)