BlastPoint's Credit Union Scorecard
UNITED BAY COMMUNITY
Charter #61186 · MI
UNITED BAY COMMUNITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 8.13% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits -0.4% year over year ($276M in shares and deposits).
- Membership: 18,969 members, +1.5% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.50%.
- Efficiency ratio 84.86% vs a 76.73% peer average.
- Loan-to-share ratio 89.71% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,969
+1.5% YoY+0.5% QoQ
|
+3.8K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$301.7M
+0.3% YoY-0.9% QoQ
|
+$69.7M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$247.7M
+2.7% YoY+2.0% QoQ
|
+$101.5M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Top 13.8% in tier |
| Deposits |
$276.1M
-0.4% YoY-1.5% QoQ
|
+$75.4M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
0.5%
+250.6% YoY+16.8% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
4.2%
+12.2% YoY+2.5% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
84.9%
-3.5% YoY-1.3% QoQ
|
+8.1% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
0.6%
+28.0% YoY+15.0% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
89.7%
+3.1% YoY+3.5% QoQ
|
+18.2% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$27,617
-0.5% YoY-0.4% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
20.0%
-14.5% YoY-2.0% QoQ
|
-4.6% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
29.4%
+1.6% YoY+1.0% QoQ
|
+15.7% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)