BlastPoint's Credit Union Scorecard
UNITED CHURCHES
Charter #62144 · MI
UNITED CHURCHES faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Member decline: -4.1% YoY
- - Loan-to-Share Ratio: Bottom 7.5% in tier
- - First Mortgage Concentration (%): Bottom 9.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits -1.0% year over year ($19.5M in shares and deposits).
- Membership: 1,139 members, -4.1% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.86%.
- Efficiency ratio 75.24% vs a 88.77% peer average.
- Loan-to-share ratio 25.42% vs a 58.89% 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 |
1,139
-4.1% YoY-0.8% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$21.9M
+0.0% YoY-0.1% QoQ
|
$-8.4M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$5.0M
-2.3% YoY+0.7% QoQ
|
$-10.5M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$19.5M
-1.0% YoY-0.2% QoQ
|
$-6.3M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
51% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+1.0% YoY+27.6% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
3.8%
-3.6% YoY+1.4% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
75.2%
-3.2% YoY-0.6% QoQ
|
-13.5% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
1.1%
+149.9% YoY+127.5% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
25.4%
-1.3% YoY+0.9% QoQ
|
-33.5% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.4% in tier |
| AMR |
$21,515
+3.0% YoY+0.8% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
10.4%
+4.6% YoY-4.9% QoQ
|
-14.2% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 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)