BlastPoint's Credit Union Scorecard
UNITED NATIONS
Charter #5588 · NY
UNITED NATIONS has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 32.0% in tier
- + Organic Growth Engine: Top 52.0% in tier
- + Organic Growth Leader: Top 52.0% in tier
- + Relationship Depth Leader: Top 76.0% in tier
- + ROA 0.35% above tier average
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Total Delinquency Rate (60+ days): Top 4.0% in tier
- + Net Charge-Off Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 4.0% in tier
- - First Mortgage Concentration (%): Bottom 4.0% in tier
- - Total Members: Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 3 that size in New York.
- Shares and deposits +5.9% year over year ($9.60B in shares and deposits).
- Membership: 266,891 members, +4.1% vs a year ago.
- Delinquency rate 0.28%.
- Return on assets 1.38%.
- Efficiency ratio 57.95% vs a 61.57% peer average.
- Loan-to-share ratio 66.03% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
266,891
+4.1% YoY+1.1% QoQ
|
-1.4M |
1,671,910
-4.2% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$10.7B
+6.8% YoY+2.0% QoQ
|
$-17.0B |
$27.7B
+0.2% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.0% in tier |
| Loans |
$6.3B
+6.3% YoY+1.6% QoQ
|
$-13.7B |
$20.0B
-0.9% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.0% in tier |
| Deposits |
$9.6B
+5.9% YoY+1.8% QoQ
|
$-13.9B |
$23.5B
+0.4% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.4%
+30.1% YoY+16.1% QoQ
|
+0.3% |
1.0%
+45.0% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
2.8%
+9.2% YoY+0.3% QoQ
|
-0.4% |
3.2%
+5.4% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
58.0%
-7.0% YoY-4.8% QoQ
|
-3.6% |
61.6%
-6.2% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.3%
-16.3% YoY+34.9% QoQ
|
-0.7 |
1.0%
-2.7% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 4.0% in tier |
| Loan To Share |
66.0%
+0.3% YoY-0.2% QoQ
|
-21.5% |
87.5%
-3.0% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$59,690
+1.8% YoY+0.6% QoQ
|
+$27K |
$32,850
+5.7% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 4.0% in tier |
| CD Concentration |
35.9%
+5.8% YoY+1.8% QoQ
|
+5.7% | 30.2% | 16.4% | 20.0% | 80% |
| Indirect Auto % |
0.4%
+204.7% YoY-13.1% QoQ
|
-14.6% | 15.0% | 2.7% | 7.7% | Top 8.0% in tier |
Signature Analysis
Strengths (4)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)