BlastPoint's Credit Union Scorecard
UNITED NATIONS
Charter #5588 · NY
UNITED NATIONS has 8 strengths but faces 3 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 33.3% in tier
- + Organic Growth Engine: Top 45.8% in tier
- + Organic Growth Leader: Top 45.8% in tier
- + ROA 0.29% above tier average
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
- + Total Delinquency Rate (60+ days): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 4.2% in tier
- - First Mortgage Concentration (%): Bottom 4.2% in tier
- - Total Members: Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
264,065
+4.5% YoY+1.2% QoQ
|
-1.4M |
1,712,610
-8.0% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 0.1% in tier |
| Assets |
$10.5B
+6.2% YoY+1.9% QoQ
|
$-17.7B |
$28.2B
-3.2% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.3% in tier |
| Loans |
$6.2B
+5.9% YoY-0.5% QoQ
|
$-13.9B |
$20.2B
-4.4% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.3% in tier |
| Deposits |
$9.4B
+5.2% YoY+1.8% QoQ
|
$-14.6B |
$24.1B
-2.9% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
1.2%
+23.9% YoY+30.3% QoQ
|
+0.3% |
0.9%
+31.5% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
2.8%
+9.7% YoY+6.4% QoQ
|
-0.4% |
3.2%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
60.8%
-6.3% YoY-4.5% QoQ
|
-3.0% |
63.9%
-3.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.2%
-19.2% YoY-15.3% QoQ
|
-0.7 |
0.9%
-6.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 8.3% in tier |
| Loan To Share |
66.1%
+0.7% YoY-2.3% QoQ
|
-19.9% |
86.0%
-3.3% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$59,315
+0.9% YoY-0.3% QoQ
|
+$27K |
$32,099
+9.5% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 4.2% in tier |
| CD Concentration |
35.3%
+3.8% YoY+1.3% QoQ
|
+5.1% | 30.2% | 16.4% | 19.8% | 75% |
| Indirect Auto % |
0.4%
+200.5% YoY-10.5% QoQ
|
-14.5% | 14.9% | 2.6% | 7.7% | Top 8.3% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)