BlastPoint's Credit Union Scorecard
UNITED
Charter #6288 · MI
UNITED has 4 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 70.3% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.12% above tier average
- + Fee Income Per Member: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 18.2% in tier
- - Credit Quality Pressure: Bottom 26.2% in tier
- - Credit Risk Growth: Bottom 52.1% in tier
- - Stagnation Risk: Bottom 84.5% in tier
- - Membership Headwinds: Bottom 89.3% in tier
- - Liquidity Strain: Bottom 90.9% in tier
- - Members Per Employee (MPE): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
190,227
-1.0% YoY-0.1% QoQ
|
-40.1K |
230,353
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$4.2B
+1.8% YoY-0.3% QoQ
|
+$301.1M |
$3.9B
+0.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$3.2B
+3.8% YoY+0.4% QoQ
|
+$231.3M |
$2.9B
-0.2% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$3.5B
+1.7% YoY-0.1% QoQ
|
+$172.7M |
$3.3B
-0.3% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
1.2%
+93.3% YoY-8.3% QoQ
|
+0.5% |
0.7%
+16.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.3%
+13.4% YoY+0.6% QoQ
|
+0.1% |
3.1%
+9.8% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
65.6%
-13.2% YoY+2.2% QoQ
|
-5.8% |
71.4%
-1.4% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.9%
+46.2% YoY+61.7% QoQ
|
-0.0 |
0.9%
+5.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
90.9%
+2.1% YoY+0.5% QoQ
|
+2.0% |
88.9%
-0.2% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$34,958
+3.7% YoY+0.2% QoQ
|
+$5K |
$29,682
+1.5% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
31.2%
-0.7% YoY+3.0% QoQ
|
+2.2% | 29.0% | 18.6% | 19.8% | 61% |
| Indirect Auto % |
10.5%
-7.3% YoY-2.6% QoQ
|
-7.9% | 18.3% | 11.8% | 7.8% | 37% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (6)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)