BlastPoint's Credit Union Scorecard

UME

Charter #3945 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

UME has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.29% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	17,428 +0.0% YoY-0.1% QoQ	+2.3K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	67%
Assets	$334.1M -0.7% YoY-1.9% QoQ	+$102.4M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	78%
Loans	$167.2M +3.9% YoY+0.6% QoQ	+$23.0M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	68%
Deposits	$303.9M -0.3% YoY-2.3% QoQ	+$102.7M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	82%

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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	1.0% +207.2% YoY+45.9% QoQ	+0.3%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	71%
NIM	3.1% +59.6% YoY+32.7% QoQ	-0.5%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	66.5% -18.6% YoY-7.4% QoQ	-11.5%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	0.2% +57.5% YoY-8.5% QoQ	-0.6	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 11.2% in tier
Loan To Share	55.0% +4.2% YoY+2.9% QoQ	-15.4%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	18%
AMR	$27,029 +1.1% YoY-1.2% QoQ	+$2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	71%
CD Concentration	17.8% -22.1% YoY-19.9% QoQ	-6.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	2.0% -6.9% YoY-7.4% QoQ	-11.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Credit Quality Pressure

risk

#556 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY

Credit Risk Growth

risk

#398 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.88%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (5 metrics)

121

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.61%

#121 of 1070 Top 11.2% in 100M-500M tier

121

Members Per Employee (MPE)

engagement

Value: 446.872

Peer Median: 309.176

#121 of 1070 Top 11.2% in 100M-500M tier

196

Efficiency Ratio

profitability

Value: 66.52%

Peer Median: 78.68%

#196 of 1070 Top 18.2% in 100M-500M tier

197

Total Deposits

balance_sheet

Value: $303.87M

Peer Median: $171.29M

#197 of 1070 Top 18.3% in 100M-500M tier

232

Total Assets

balance_sheet

Value: $334.14M

Peer Median: $196.57M

#232 of 1070 Top 21.6% in 100M-500M tier

Top Weaknesses (6 metrics)

943

First Mortgage Concentration (%)

balance_sheet

Value: 51.55%

Peer Median: 29.47%

#943 of 1070 Bottom 12.0% in 100M-500M tier

930

Asset Growth Rate

growth

Value: -0.66%

Peer Median: 3.91%

#930 of 1070 Bottom 13.2% in 100M-500M tier

883

Net Worth Ratio

risk

Value: 9.29%

Peer Median: 11.45%

#883 of 1070 Bottom 17.6% in 100M-500M tier

877

Deposit Growth Rate

growth

Value: -0.31%

Peer Median: 3.30%

#877 of 1070 Bottom 18.1% in 100M-500M tier

876

Loan-to-Share Ratio

balance_sheet

Value: 55.02%

Peer Median: 71.88%

#876 of 1070 Bottom 18.2% in 100M-500M tier

834

Net Interest Margin (NIM)

profitability

Value: 3.15%

Peer Median: 3.62%

#834 of 1070 Bottom 22.1% in 100M-500M tier