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 0.89% 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 0.76% below tier average
- - Efficiency ratio 13.03% above tier (higher cost structure)
- - Delinquency rate 3.60% above tier average
- - Asset Growth Rate: Bottom 5.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.8% in tier
- - Deposit Growth Rate: Bottom 6.6% in tier
- - AMR Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
645
+1.1% YoY-0.9% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$3.2M
-10.2% YoY-0.5% QoQ
|
$-26.6M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.8% in tier |
| Loans |
$2.0M
-7.1% YoY-4.6% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$2.9M
-10.7% YoY-0.6% QoQ
|
$-22.6M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
15% |
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| ROA |
-0.1%
-106.1% YoY-73.1% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.4% in tier |
| NIM |
4.8%
-1.4% YoY+1.0% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
94.4%
+12.9% YoY-3.2% QoQ
|
+13.0% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
5.1%
-1.2% YoY+54.1% QoQ
|
+3.6 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 5.8% in tier |
| Loan To Share |
68.1%
+4.1% YoY-4.0% QoQ
|
+6.8% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$7,539
-10.3% YoY-1.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
9.1%
+7.6% YoY-31.9% QoQ
|
-15.3% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)