BlastPoint's Credit Union Scorecard

UNITED COMMUNITY

Charter #60095 · IL

1069 CUs in 100M-500M nationally 30 in IL

UNITED COMMUNITY has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 45.1% in tier
+ Organic Growth Leader: Top 68.5% in tier
+ Emerging Performer: Top 83.4% in tier
+ ROA 0.19% above tier average
+ Net Interest Margin 0.19% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 17.8% in tier
- Credit Quality Pressure: Bottom 33.8% in tier
- Liquidity Strain: Bottom 53.3% in tier
- Margin Compression: Bottom 91.8% in tier
- Efficiency ratio 0.52% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	10,430 +1.7% YoY-0.0% QoQ	-5.0K	15,437 -2.9% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	33%
Assets	$127.5M +3.9% YoY+2.0% QoQ	$-104.4M	$231.9M +1.3% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	18%
Loans	$99.2M +9.5% YoY+2.8% QoQ	$-48.2M	$147.3M -0.1% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	34%
Deposits	$107.1M +3.6% YoY+2.0% QoQ	$-93.7M	$200.8M +0.8% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -11.2% YoY-2.9% QoQ	+0.2%	0.8% +18.2% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	64%
NIM	3.8% +9.2% YoY-1.0% QoQ	+0.2%	3.6% +6.7% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	61%
Efficiency Ratio	77.5% +5.3% YoY+0.4% QoQ	+0.5%	77.0% -3.1% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	52%
Delinquency Rate	0.5% +154.4% YoY+35.5% QoQ	-0.4	0.9% +4.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	33%
Loan To Share	92.6% +5.7% YoY+0.8% QoQ	+20.4%	72.2% -1.1% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	Top 9.9% in tier
AMR	$19,777 +4.6% YoY+2.4% QoQ	$-5K	$24,676 +3.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	32%
CD Concentration	14.8% +2.7% YoY-6.4% QoQ	-9.6%	24.4%	14.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#269 of 595 • Top 45.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.68%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.96%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#292 of 426 • Top 68.5% in tier

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

Why This Signature

Member Growth (YoY): 1.68%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#152 of 182 • Top 83.4% 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: 0.96%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.68%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#82 of 456 • Bottom 17.8% in tier

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

Why This Signature

Loan Growth (YoY): 9.50%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#239 of 705 • Bottom 33.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Strain

risk

#122 of 228 • Bottom 53.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.61%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.50%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Margin Compression

decline

#113 of 123 • Bottom 91.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.96%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.08%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

106

Loan-to-Share Ratio

balance_sheet

Value: 92.61%

Peer Median: -

#106 of 1069 Top 9.8% in 100M-500M tier

137

Net Worth Ratio

risk

Value: 15.66%

Peer Median: -

#137 of 1069 Top 12.7% in 100M-500M tier

188

Loan Growth Rate

growth

Value: 9.50%

Peer Median: -

#188 of 1069 Top 17.5% in 100M-500M tier

233

Share Certificate Concentration (%)

balance_sheet

Value: 14.81%

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

Top Weaknesses (3 metrics)

960

Members Per Employee (MPE)

engagement

Value: 226.739

Peer Median: -

#960 of 1069 Bottom 10.3% in 100M-500M tier

900

Total Deposits

balance_sheet

Value: $107.09M

Peer Median: -

#900 of 1069 Bottom 15.9% in 100M-500M tier

873

Total Assets

balance_sheet

Value: $127.48M

Peer Median: -

#873 of 1069 Bottom 18.4% in 100M-500M tier