BlastPoint's Credit Union Scorecard
UNITED FINANCIAL
Charter #61657 · MI
UNITED FINANCIAL has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 61.9% in tier
- + Organic Growth Engine: Top 91.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 49.1% in tier
- - ROA 0.04% below tier average
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 (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)