BlastPoint's Credit Union Scorecard
UNITED NATIONS
Charter #5588 · NY
UNITED NATIONS has 10 strengths but faces 9 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
- + Organic Growth Engine: Top 25.0% in tier
- + Organic Growth Leader: Top 36.4% in tier
- + Emerging Performer: Top 100.0% in tier
- + ROA 0.18% above tier average
- + Strong member growth: 5.2% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.0% 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 80.0% in tier
- - Credit Risk Growth: Bottom 84.6% in tier
- - Total Assets: Bottom 4.8% in tier
- - Total Loans: Bottom 4.8% 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 Deposits: Bottom 9.5% in tier
- - Members Per Employee (MPE): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
260,844
+5.2% YoY+0.2% QoQ
|
-1.6M |
1,831,295
-0.2% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.0% in tier |
| Assets |
$10.3B
+5.8% YoY+1.4% QoQ
|
$-18.9B |
$29.1B
+3.6% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.0% in tier |
| Loans |
$6.3B
+6.6% YoY+1.9% QoQ
|
$-15.1B |
$21.4B
+2.0% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.0% in tier |
| Deposits |
$9.3B
+4.7% YoY+1.2% QoQ
|
$-15.6B |
$24.9B
+4.3% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.8% in tier |
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| ROA |
0.9%
-7.1% YoY-11.6% QoQ
|
+0.2% |
0.7%
+30.7% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
2.7%
+19.3% YoY+0.9% QoQ
|
-0.5% |
3.1%
+7.9% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
63.7%
+1.5% YoY+4.1% QoQ
|
-0.8% |
64.6%
-4.0% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.2%
+29.4% YoY-48.4% QoQ
|
-0.9 |
1.2%
+0.3% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
67.7%
+1.8% YoY+0.7% QoQ
|
-21.4% |
89.1%
-2.0% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$59,519
+0.3% YoY+1.3% QoQ
|
+$28K |
$31,580
+8.5% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 4.8% in tier |
| CD Concentration |
34.9%
+3.8% YoY+0.3% QoQ
|
+3.4% | 31.4% | 16.3% | 19.8% | 67% |
| Indirect Auto % |
0.5%
+196.9% YoY-12.4% QoQ
|
-13.7% | 14.1% | 2.6% | 7.8% | Bottom 9.5% 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 (<20%). 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 (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)