BlastPoint's Credit Union Scorecard

UNITED LOCAL

Charter #60408 · CA

1069 CUs in 100M-500M nationally 63 in CA

UNITED LOCAL has 2 strengths but faces 15 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 0.30% above tier average
+ Net Worth Ratio: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 18.8% in tier
- Membership Headwinds: Bottom 19.7% in tier
- Indirect Auto Dependency: Bottom 23.0% in tier
- Institutional Decline: Bottom 31.4% in tier
- Liquidity Overhang: Bottom 35.1% in tier
- Credit Quality Pressure: Bottom 80.0% in tier
- Efficiency Drag: Bottom 92.4% in tier
- ROA 0.19% below tier average
- Efficiency ratio 5.41% above tier (higher cost structure)
- Member decline: -5.6% YoY
- Indirect Auto Concentration (%): Bottom 0.7% in tier
- Loan Growth Rate: Bottom 4.8% in tier
- Total Deposits: Bottom 6.5% in tier
- Deposit Growth Rate: Bottom 8.0% in tier
- Member Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	7,758 -5.6% YoY-1.7% QoQ	-7.7K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 14.9% in tier
Assets	$120.1M -1.1% YoY-0.4% QoQ	$-111.7M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Bottom 13.5% in tier
Loans	$72.1M -8.4% YoY-6.7% QoQ	$-75.2M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	17%
Deposits	$95.2M -2.3% YoY-0.8% QoQ	$-105.6M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Bottom 6.4% 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	0.6% -34.1% YoY-2.4% QoQ	-0.2%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	37%
NIM	3.9% +2.2% YoY+0.8% QoQ	+0.3%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	82.4% +3.9% YoY+1.2% QoQ	+5.4%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	69%
Delinquency Rate	0.3% +32.3% YoY+41.0% QoQ	-0.6	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	17%
Loan To Share	75.7% -6.2% YoY-6.0% QoQ	+3.5%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	53%
AMR	$21,569 +0.6% YoY-1.8% QoQ	$-3K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	44%
CD Concentration	19.5% +5.6% YoY-0.7% QoQ	-4.9%	24.4%	21.7%	19.8%	50%
Indirect Auto %	74.0% -7.3% YoY-2.0% QoQ	+60.2%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#105 of 554 • Bottom 18.8% 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): -5.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -8.39%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.32%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#110 of 554 • Bottom 19.7% in tier

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

Why This Signature

Member Growth (YoY): -5.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#117 of 506 • Bottom 23.0% in tier

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

Why This Signature

Asset Growth (YoY): -1.11%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 74.03%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -5.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Institutional Decline

decline

#76 of 240 • Bottom 31.4% in tier

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

Why This Signature

Total Assets: $120.12M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -5.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -8.39%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Overhang

risk

#48 of 135 • Bottom 35.1% in tier

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

Why This Signature

Net Worth Ratio: 20.02%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 75.70%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank improving

Credit Quality Pressure

risk

#564 of 705 • Bottom 80.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% 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

Efficiency Drag

risk

#497 of 538 • Bottom 92.4% in tier

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

Why This Signature

Efficiency Ratio: 82.42%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.29% points

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

worse than tier avg

Member Growth (YoY): -5.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | 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 (2 metrics)

Net Worth Ratio

risk

Value: 20.02%

Peer Median: -

#33 of 1069 Top 3.0% in 100M-500M tier

186

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: -

#186 of 1069 Top 17.3% in 100M-500M tier

Top Weaknesses (10 metrics)

1063

Indirect Auto Concentration (%)

balance_sheet

Value: 74.03%

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

1019

Loan Growth Rate

growth

Value: -8.39%

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier

1001

Total Deposits

balance_sheet

Value: $95.24M

Peer Median: -

#1001 of 1069 Bottom 6.5% in 100M-500M tier

984

Deposit Growth Rate

growth

Value: -2.29%

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

979

Member Growth Rate

growth

Value: -5.61%

Peer Median: -

#979 of 1069 Bottom 8.5% in 100M-500M tier

962

Asset Growth Rate

growth

Value: -1.11%

Peer Median: -

#962 of 1069 Bottom 10.1% in 100M-500M tier

925

Total Assets

balance_sheet

Value: $120.12M

Peer Median: -

#925 of 1069 Bottom 13.6% in 100M-500M tier

909

Total Members

engagement

Value: 7,758

Peer Median: -

#909 of 1069 Bottom 15.1% in 100M-500M tier

888

Total Loans

balance_sheet

Value: $72.10M

Peer Median: -

#888 of 1069 Bottom 17.0% in 100M-500M tier

825

AMR Growth Rate

growth

Value: 0.63%

Peer Median: -

#825 of 1069 Bottom 22.9% in 100M-500M tier