BlastPoint's Credit Union Scorecard

UNITED NATIONS

Charter #5588 · NY

Titans 10B+
21 CUs in 10B+ nationally 2 in NY
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UNITED NATIONS has 12 strengths but faces 9 concerns

National Analysis

How does the industry compare?
Titans Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 1.8% in tier
  • + Organic Growth Leader: Top 8.6% in tier
  • + Credit Quality Leader: Top 60.0% in tier
  • + Emerging Performer: Top 66.7% in tier
  • + Profitability Leader: Top 100.0% 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
  • - Credit Risk Growth: 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

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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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
 71%
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
 43%
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
 62%
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 (5)

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)

Organic Growth Leader

growth
#4 of 12 • Top 8.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.95%
(Tier: 3.59%, National: 9.37%)
better than tier avg
Indirect Auto %: 0.52%
(Tier: 14.25%, National: 7.90%)
better than tier avg
12 of 21 Titans CUs have this signature | 608 nationally
→ Stable (11→12 CUs) +1 CUs YoY

Credit Quality Leader

growth
#4 of 6 • Top 60.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature
Delinquency Rate: 0.48%
(Tier: 1.18%, National: 1.23%)
better than tier avg
Delinquency Change (YoY): 0.25% points
(Tier: 0.10% points, National: 0.07% points)
but worse than tier avg
6 of 21 Titans CUs have this signature | 457 nationally
→ Stable (6→6 CUs)

Emerging Performer

growth
#3 of 4 • Top 66.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

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
4 of 21 Titans CUs have this signature | 288 nationally
→ Stable (3→4 CUs) +1 CUs YoY | New qualifier

Profitability Leader

growth
#6 of 6 • Top 100.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature
Return on Assets: 1.03%
(Tier: 0.76%, National: 0.71%)
better than tier avg
ROA Change (YoY): -0.03% points
(Tier: 0.10% points, National: 0.05% points)
but worse than tier avg
6 of 21 Titans CUs have this signature | 457 nationally
→ Stable (6→6 CUs) | New qualifier

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

Credit Risk Growth

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)

Comparing against 21 peers in tier

Top Strengths (8 metrics)

1
Average Member Relationship (AMR)
engagement
Value: $58,773
Peer Avg: -
#1 of 21 Top 0.0% in 10B+ tier
2
Fee Income Per Member
profitability
Value: $282.20
Peer Avg: -
#2 of 21 Top 4.8% in 10B+ tier
2
Net Charge-Off Rate
risk
Value: 0.17%
Peer Avg: -
#2 of 21 Top 4.8% in 10B+ tier
2
Loan-to-Member Ratio (LMR)
engagement
Value: $23,623
Peer Avg: -
#2 of 21 Top 4.8% in 10B+ tier
3
Indirect Auto Concentration (%)
balance_sheet
Value: 0.52%
Peer Avg: -
#3 of 21 Top 9.5% in 10B+ tier
4
Total Delinquency Rate (60+ days)
risk
Value: 0.48%
Peer Avg: -
#4 of 21 Top 14.3% in 10B+ tier
6
Return on Assets (ROA)
profitability
Value: 1.03%
Peer Avg: -
#6 of 21 Top 23.8% in 10B+ tier
6
Member Growth Rate
growth
Value: 5.95%
Peer Avg: -
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (9 metrics)

21
Loan-to-Share Ratio
balance_sheet
Value: 67.21%
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
First Mortgage Concentration (%)
balance_sheet
Value: 83.31%
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Total Members
engagement
Value: 260,307
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Total Assets
balance_sheet
Value: $10.14B
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Total Loans
balance_sheet
Value: $6.15B
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
20
Members Per Employee (MPE)
engagement
Value: 324.168
Peer Avg: -
#20 of 21 Bottom 9.5% in 10B+ tier
20
Total Deposits
balance_sheet
Value: $9.15B
Peer Avg: -
#20 of 21 Bottom 9.5% in 10B+ tier
19
Net Interest Margin (NIM)
profitability
Value: 2.63%
Peer Avg: -
#19 of 21 Bottom 14.3% in 10B+ tier
17
AMR Growth Rate
growth
Value: -0.26%
Peer Avg: -
#17 of 21 Bottom 23.8% in 10B+ tier
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