BlastPoint's Credit Union Scorecard
UNITED FINANCIAL
Charter #61657 · MI
UNITED FINANCIAL has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,554
+1.0% YoY-0.2% QoQ
|
+6.1K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$342.9M
+8.2% YoY+1.0% QoQ
|
+$111.0M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$213.6M
+9.1% YoY+1.8% QoQ
|
+$66.2M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$309.5M
+7.2% YoY+0.8% QoQ
|
+$108.7M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.7%
+58.8% YoY+7.6% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.1%
+13.4% YoY+1.4% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
76.0%
-1.8% YoY-1.2% QoQ
|
-1.0% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.7%
-24.3% YoY+8.6% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
69.0%
+1.8% YoY+1.0% QoQ
|
-3.2% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$24,269
+6.9% YoY+1.4% QoQ
|
$-407 |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
27.4%
+7.8% YoY-4.0% QoQ
|
+2.9% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
20.9%
-2.7% YoY-2.7% QoQ
|
+7.1% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)