BlastPoint's Credit Union Scorecard

UNITED

Charter #6288 · MI

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 3 in MI

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UNITED has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 36.3% in tier
+ ROA 0.80% above tier average
+ Fee Income Per Member: Top 3.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 30.0% in tier
- Credit Risk Growth: Bottom 58.2% in tier
- Members Per Employee (MPE): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	190,895 -0.3% YoY+0.4% QoQ	-29.5K	220,435 -7.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	40%
Assets	$4.4B +5.1% YoY+3.8% QoQ	+$489.3M	$3.9B -1.5% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	76%
Loans	$3.2B +4.2% YoY+0.0% QoQ	+$274.1M	$2.9B -1.1% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	64%
Deposits	$3.6B +3.8% YoY+4.0% QoQ	+$325.2M	$3.3B -2.5% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	65%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% +37.3% YoY+28.8% QoQ	+0.8%	0.7% +10.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 7.7% in tier
NIM	3.2% +3.6% YoY-0.8% QoQ	+0.0%	3.2% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	61.8% -8.3% YoY-5.7% QoQ	-9.5%	71.3% -2.6% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	17%
Delinquency Rate	0.6% +25.8% YoY-35.1% QoQ	-0.2	0.7% +9.2% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	53%
Loan To Share	87.4% +0.3% YoY-3.8% QoQ	-0.6%	88.0% +0.9% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	37%
AMR	$35,571 +4.3% YoY+1.8% QoQ	+$5K	$30,672 +5.5% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	78%
CD Concentration	31.5% +4.8% YoY+0.7% QoQ	+2.6%	28.8%	18.6%	19.8%	64%
Indirect Auto %	10.3% -7.6% YoY-1.1% QoQ	-7.7%	18.1%	11.7%	7.7%	39%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#38 of 64 • Top 36.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.26%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.2K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank improving

Concerns (2)

Credit Quality Pressure

risk

#114 of 225 • Bottom 30.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#120 of 183 • Bottom 58.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.15%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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 78 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $329.49

Peer Median: $175.66

#4 of 78 Top 3.8% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Median: 0.75%

#6 of 78 Top 6.4% in 3B-5B tier

Efficiency Ratio

profitability

Value: 61.83%

Peer Median: 69.26%

#14 of 78 Top 16.7% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $35,571

Peer Median: $28,813

#17 of 78 Top 20.5% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.40B

Peer Median: $3.94B

#19 of 78 Top 23.1% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,591

Peer Median: $13,137

#20 of 78 Top 24.4% in 3B-5B tier

Top Weaknesses (3 metrics)

Members Per Employee (MPE)

engagement

Value: 273.097

Peer Median: 393.414

#73 of 78 Bottom 7.7% in 3B-5B tier

Member Growth Rate

growth

Value: -0.28%

Peer Median: 3.36%

#65 of 78 Bottom 17.9% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 50.02%

Peer Median: 32.80%

#64 of 78 Bottom 19.2% in 3B-5B tier