BlastPoint's Credit Union Scorecard
UNITED CHURCHES
Charter #62144 · MI
UNITED CHURCHES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.4% YoY
- - Loan-to-Share Ratio: Bottom 8.3% in tier
- - First Mortgage Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,174
-5.4% YoY-1.2% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$21.4M
+1.0% YoY-2.5% QoQ
|
$-8.5M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$5.3M
-1.6% YoY+3.9% QoQ
|
$-10.5M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$19.1M
-0.3% YoY-3.2% QoQ
|
$-6.4M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.9%
-7.5% YoY+10.5% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
4.0%
+7.9% YoY+2.0% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
77.3%
+8.5% YoY-0.6% QoQ
|
-4.1% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.3%
+52.2% YoY+203.2% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
27.7%
-1.3% YoY+7.4% QoQ
|
-33.6% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.1% in tier |
| AMR |
$20,761
+5.1% YoY-0.6% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
10.5%
+16.4% YoY+6.0% QoQ
|
-13.9% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)