BlastPoint's Credit Union Scorecard

UNITED LOCAL

Charter #60408 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

UNITED LOCAL has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.12% above tier average
+ Net Worth Ratio: Top 3.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 1.04% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	7,613 -6.4% YoY-1.9% QoQ	-7.5K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	15%
Assets	$121.1M -1.7% YoY+0.8% QoQ	$-110.6M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Bottom 13.9% in tier
Loans	$69.3M -9.8% YoY-3.9% QoQ	$-74.9M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	16%
Deposits	$96.4M -2.5% YoY+1.3% QoQ	$-104.7M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Bottom 8.2% in tier

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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	-0.3% -145.2% YoY-155.3% QoQ	-1.0%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 4.0% in tier
NIM	3.8% -1.8% YoY-3.8% QoQ	+0.1%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	94.0% +15.9% YoY+14.0% QoQ	+16.0%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 7.7% in tier
Delinquency Rate	0.4% +45.8% YoY+29.2% QoQ	-0.4	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	32%
Loan To Share	71.8% -7.5% YoY-5.1% QoQ	+1.4%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	50%
AMR	$21,768 +0.8% YoY+0.9% QoQ	$-3K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	43%
CD Concentration	19.2% +3.6% YoY-1.6% QoQ	-5.1%	24.3%	21.6%	19.8%	50%
Indirect Auto %	70.9% -10.4% YoY-4.2% QoQ	+57.1%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#63 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.79%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.41%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#85 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#56 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $121.10M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -6.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.79%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#133 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -1.66%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 70.95%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -6.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Overhang

risk

#49 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.78%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 71.84%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank improving

Credit Quality Pressure

risk

#442 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): 0.13% 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

Efficiency Drag

risk

#431 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.99%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.01% points

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

worse than tier avg

Member Growth (YoY): -6.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (1 metrics)

Net Worth Ratio

risk

Value: 19.78%

Peer Median: 11.45%

#35 of 1070 Top 3.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1060

Indirect Auto Concentration (%)

balance_sheet

Value: 70.95%

Peer Median: 6.61%

#1060 of 1070 Bottom 1.0% in 100M-500M tier

1043

Loan Growth Rate

growth

Value: -9.79%

Peer Median: 2.93%

#1043 of 1070 Bottom 2.6% in 100M-500M tier

1027

Return on Assets (ROA)

profitability

Value: -0.31%

Peer Median: 0.69%

#1027 of 1070 Bottom 4.1% in 100M-500M tier

996

Member Growth Rate

growth

Value: -6.42%

Peer Median: -0.06%

#996 of 1070 Bottom 7.0% in 100M-500M tier

989

Efficiency Ratio

profitability

Value: 93.99%

Peer Median: 78.68%

#989 of 1070 Bottom 7.7% in 100M-500M tier

982

Total Deposits

balance_sheet

Value: $96.43M

Peer Median: $171.29M

#982 of 1070 Bottom 8.3% in 100M-500M tier

979

Deposit Growth Rate

growth

Value: -2.45%

Peer Median: 3.30%

#979 of 1070 Bottom 8.6% in 100M-500M tier

966

Asset Growth Rate

growth

Value: -1.66%

Peer Median: 3.91%

#966 of 1070 Bottom 9.8% in 100M-500M tier

921

Total Assets

balance_sheet

Value: $121.10M

Peer Median: $196.57M

#921 of 1070 Bottom 14.0% in 100M-500M tier

907

Total Members

engagement

Value: 7,613

Peer Median: 13,200

#907 of 1070 Bottom 15.3% in 100M-500M tier