BlastPoint's Credit Union Scorecard
UNITED NEIGHBORHOOD
Charter #24683 · GA
UNITED NEIGHBORHOOD has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.93% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 12.85% above tier (higher cost structure)
- - Delinquency rate 4.13% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.2% in tier
- - Asset Growth Rate: Bottom 6.3% in tier
- - AMR Growth Rate: Bottom 7.3% in tier
- - Deposit Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
642
+0.2% YoY-0.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$3.2M
-8.7% YoY-2.7% QoQ
|
$-27.0M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.6% in tier |
| Loans |
$2.0M
-8.3% YoY-0.2% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.8M
-9.5% YoY-3.0% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.9% in tier |
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| ROA |
-0.1%
-132.1% YoY+28.7% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.1% in tier |
| NIM |
4.9%
-1.7% YoY+1.2% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
95.4%
+13.6% YoY+1.0% QoQ
|
+12.9% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
5.7%
+58.9% YoY+11.3% QoQ
|
+4.1 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 5.2% in tier |
| Loan To Share |
70.1%
+1.4% YoY+2.9% QoQ
|
+9.5% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$7,432
-9.2% YoY-1.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
7.5%
-18.9% YoY-18.2% QoQ
|
-17.0% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)