UNITED NATIONS

Charter #5588 | NY

10B+ (21 CUs) Titans ($10B+) (21 CUs)

2 10B+ in NY

2 Titans in NY

UNITED NATIONS has 10 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 1.8% in tier
+ Emerging Performer: Top 3.3% in tier
+ Organic Growth Leader: Top 8.6% in tier
+ ROA 0.27% above tier average
+ Strong member growth: 5.9% YoY
+ Average Member Relationship (AMR): Top 0.0% in tier
+ Fee Income Per Member: Top 4.8% in tier
+ Net Charge-Off Rate: Top 4.8% in tier
+ Loan-to-Member Ratio (LMR): Top 4.8% in tier
+ Indirect Auto Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.9% in tier
- Growth-at-Risk: Bottom 9.8% in tier
- Loan-to-Share Ratio: Bottom 4.8% in tier
- First Mortgage Concentration (%): Bottom 4.8% in tier
- Total Members: Bottom 4.8% in tier
- Total Assets: Bottom 4.8% in tier
- Total Loans: Bottom 4.8% in tier
- Members Per Employee (MPE): Bottom 9.5% in tier
- Total Deposits: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	260,307 +5.9% YoY+1.6% QoQ	-1.6M	1,822,416 +4.1% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	Bottom 0.0% in tier
Assets	$10.1B +5.9% YoY+1.3% QoQ	$-18.6B	$28.7B +4.2% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	Bottom 0.0% in tier
Loans	$6.1B +6.9% YoY+3.1% QoQ	$-14.9B	$21.1B +5.8% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 0.0% in tier
Deposits	$9.1B +4.9% YoY+1.0% QoQ	$-15.3B	$24.4B +7.2% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	Bottom 4.8% in tier
ROA	1.0% -3.0% YoY-2.8% QoQ	+0.3%	0.8% +17.7% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	71st in tier
NIM	2.6% +19.9% YoY+1.5% QoQ	-0.5%	3.1% +10.6% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Bottom 9.5% in tier
Efficiency Ratio	61.2% -0.2% YoY-1.8% QoQ	-3.1%	64.3% -4.3% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	43rd in tier
Delinquency Rate	0.5% +105.9% YoY+42.0% QoQ	-0.7	1.2% +9.7% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Bottom 14.3% in tier
Loan To Share	67.2% +2.0% YoY+2.1% QoQ	-22.6%	89.8% -0.3% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	Bottom 0.0% in tier
AMR	$58,773 -0.3% YoY+0.3% QoQ	+$28K	$31,184 +7.8% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Top 4.8% in tier
CD Concentration	34.7% +3.5% YoY+2.2% QoQ	+2.8%	31.9% +2.0% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	62nd in tier
Indirect Auto %	0.5% +194.5% YoY+347.6% QoQ	-13.7%	14.2% -8.9% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	Bottom 9.5% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#2 of 18 • Top 1.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.95%

(Tier: 3.59%, National: 9.37%)

better than tier avg

Return on Assets: 1.03%

(Tier: 0.76%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.52%

(Tier: 14.25%, National: 7.90%)

better than tier avg

18 of 21 Titans CUs have this signature | 917 nationally

→ Stable (18→18 CUs)

Emerging Performer

growth

#2 of 10 • Top 3.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature

Return on Assets: 1.03%

(Tier: 0.76%, National: 0.71%)

better than tier avg

Member Growth (YoY): 5.95%

(Tier: 3.59%, National: 9.37%)

better than tier avg

10 of 21 Titans CUs have this signature | 852 nationally

→ Stable (10→10 CUs) | New qualifier

Organic Growth Leader

growth

#4 of 12 • Top 8.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.95%

(Tier: 3.59%, National: 9.37%)

better than tier avg

12 of 21 Titans CUs have this signature | 608 nationally

→ Stable (11→12 CUs) +1 CUs YoY

Concerns (2)

Credit Quality Pressure

risk

#4 of 15 • Bottom 5.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.10% points, National: 0.07% points)

worse than tier avg

15 of 21 Titans CUs have this signature | 1002 nationally

↓ Shrinking -6 CUs YoY | Rank improving

Growth-at-Risk

risk

#5 of 14 • Bottom 9.8% in tier

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

Why This Signature

Loan Growth (YoY): 6.91%

(Tier: 6.37%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.10% points, National: 0.07% points)

worse than tier avg

14 of 21 Titans CUs have this signature | 646 nationally

→ Stable (13→14 CUs) +1 CUs YoY | Rank improving

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 21 peers in tier

Top Strengths (8 metrics)

Average Member Relationship (AMR)

engagement

Value: $58,773

Peer Avg: $31,184

#1 of 21 Top 0.0% in 10B+ tier

Fee Income Per Member

profitability

Value: $282.20

Peer Avg: $171.28

#2 of 21 Top 4.8% in 10B+ tier

Net Charge-Off Rate

risk

Value: 0.17%

Peer Avg: 0.85%

#2 of 21 Top 4.8% in 10B+ tier

Loan-to-Member Ratio (LMR)

engagement

Value: $23,623

Peer Avg: $14,676

#2 of 21 Top 4.8% in 10B+ tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.52%

Peer Avg: 14.25%

#3 of 21 Top 9.5% in 10B+ tier

Total Delinquency Rate (60+ days)

risk

Value: 0.48%

Peer Avg: 1.18%

#4 of 21 Top 14.3% in 10B+ tier

Return on Assets (ROA)

profitability

Value: 1.03%

Peer Avg: 0.76%

#6 of 21 Top 23.8% in 10B+ tier

Member Growth Rate

growth

Value: 5.95%

Peer Avg: 3.59%

#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (9 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 67.21%

Peer Avg: 89.80%