BlastPoint's Credit Union Scorecard

UNITED CHURCHES

Charter #62144 · MI

<100M

2508 CUs in <100M nationally 56 in MI

UNITED CHURCHES has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.53% above tier average

Key Concerns

Areas that may need attention

- Member decline: -5.6% YoY
- Loan-to-Share Ratio: Bottom 7.6% in tier
- First Mortgage Concentration (%): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	1,148 -5.6% YoY-0.6% QoQ	-1.5K	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	32%
Assets	$21.9M -0.3% YoY+3.8% QoQ	$-8.3M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	50%
Loans	$4.9M -5.4% YoY-6.0% QoQ	$-10.3M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	34%
Deposits	$19.6M -1.7% YoY+4.1% QoQ	$-6.2M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	51%

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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	0.7% -4.0% YoY-25.5% QoQ	+0.5%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	53%
NIM	3.8% -1.2% YoY-7.4% QoQ	-0.3%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	75.7% -5.9% YoY-3.5% QoQ	-14.9%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.5% -9.3% YoY-63.5% QoQ	-1.0	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	42%
Loan To Share	25.2% -3.7% YoY-9.7% QoQ	-33.3%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 7.5% in tier
AMR	$21,352 +3.3% YoY+2.5% QoQ	+$6K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	82%
CD Concentration	10.9% +15.8% YoY+7.6% QoQ	-13.3%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

400

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#400 of 2508 Top 15.9% in <100M tier

442

Average Member Relationship (AMR)

engagement

Value: $21,352

Peer Median: $13,926

#442 of 2508 Top 17.6% in <100M tier

Top Weaknesses (5 metrics)

2318

Loan-to-Share Ratio

balance_sheet

Value: 25.21%

Peer Median: 58.72%

#2318 of 2508 Bottom 7.6% in <100M tier

2284

First Mortgage Concentration (%)

balance_sheet

Value: 47.91%

Peer Median: 3.66%

#2284 of 2508 Bottom 9.0% in <100M tier

2136

Member Growth Rate

growth

Value: -5.59%

Peer Median: -1.37%

#2136 of 2508 Bottom 14.9% in <100M tier

2065

Net Worth Ratio

risk

Value: 10.02%

Peer Median: 14.28%

#2065 of 2508 Bottom 17.7% in <100M tier

1970

Members Per Employee (MPE)

engagement

Value: 229.600

Peer Median: 333.750

#1970 of 2508 Bottom 21.5% in <100M tier