BlastPoint's Credit Union Scorecard

UNITED COMMUNITY

Charter #60095 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

UNITED COMMUNITY has 5 strengths but faces 3 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 0.32% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	10,469 +1.9% YoY+0.4% QoQ	-4.7K	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	35%
Assets	$132.4M +3.2% YoY+3.9% QoQ	$-99.3M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	21%
Loans	$100.2M +10.1% YoY+1.1% QoQ	$-43.9M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	37%
Deposits	$111.8M +2.8% YoY+4.4% QoQ	$-89.3M	$201.1M +0.4% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	19%

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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% -10.5% YoY+0.9% QoQ	+0.2%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	68%
NIM	4.0% +9.2% YoY+4.2% QoQ	+0.3%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	77.8% +3.9% YoY+0.3% QoQ	-0.2%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	0.5% +118.1% YoY-10.3% QoQ	-0.3	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	38%
Loan To Share	89.6% +7.1% YoY-3.2% QoQ	+19.2%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	Top 11.9% in tier
AMR	$20,257 +4.2% YoY+2.4% QoQ	$-5K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	33%
CD Concentration	14.9% +1.5% YoY+0.4% QoQ	-9.4%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#159 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.89%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#237 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.89%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#126 of 157 • Top 50.0% 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: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.89%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#90 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 10.14%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#287 of 727 • Bottom 50.0% 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: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Margin Compression

decline

#125 of 133 • Bottom 50.0% 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: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.08%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 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 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

127

Loan-to-Share Ratio

balance_sheet

Value: 89.62%

Peer Median: 71.88%

#127 of 1070 Top 11.8% in 100M-500M tier

142

Net Worth Ratio

risk

Value: 15.32%

Peer Median: 11.45%

#142 of 1070 Top 13.2% in 100M-500M tier

174

Loan Growth Rate

growth

Value: 10.14%

Peer Median: 2.93%

#174 of 1070 Top 16.2% in 100M-500M tier

235

Share Certificate Concentration (%)

balance_sheet

Value: 14.86%

Peer Median: 23.10%

#235 of 1070 Top 21.9% in 100M-500M tier

Top Weaknesses (3 metrics)

871

Total Deposits

balance_sheet

Value: $111.84M

Peer Median: $171.29M

#871 of 1070 Bottom 18.7% in 100M-500M tier

844

Total Assets

balance_sheet

Value: $132.39M

Peer Median: $196.57M

#844 of 1070 Bottom 21.2% in 100M-500M tier

842

Members Per Employee (MPE)

engagement

Value: 255.341

Peer Median: 309.176

#842 of 1070 Bottom 21.4% in 100M-500M tier