UNITED

Charter #6288 | MI

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in MI

UNITED has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.5% in tier
  • + Wallet Share Momentum: Top 22.8% in tier
  • + ROA 0.55% above tier average
  • + Net Interest Margin 0.04% above tier average
  • + Fee Income Per Member: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 5.4% in tier
  • - Membership Headwinds: Bottom 25.1% in tier
  • - Liquidity Strain: Bottom 32.2% in tier
  • - Members Per Employee (MPE): Bottom 5.3% in tier
  • - Member Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 190,355
-1.4% YoY-0.6% QoQ
 -48.1K 238,465
+0.6% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 32nd in tier
Assets $4.3B
+3.1% YoY+1.0% QoQ
 +$283.7M $4.0B
-0.1% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $3.2B
+3.5% YoY+1.7% QoQ
 +$133.9M $3.0B
+3.3% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $3.5B
+0.8% YoY+1.0% QoQ
 +$154.4M $3.3B
+1.1% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 60th in tier
ROA 1.3%
+125.2% YoY+2.3% QoQ
 +0.5% 0.7%
+5.3% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 14.5% in tier
NIM 3.2%
+13.8% YoY+1.7% QoQ
 +0.0% 3.2%
+13.7% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 49th in tier
Efficiency Ratio 64.2%
-15.5% YoY-1.3% QoQ
 -7.1% 71.3%
-0.6% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 25.0% in tier
Delinquency Rate 0.5%
-18.7% YoY+34.9% QoQ
 -0.3 0.8%
+15.9% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 42nd in tier
Loan To Share 90.4%
+2.7% YoY+0.8% QoQ
 -0.4% 90.8%
+2.0% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 40th in tier
AMR $34,885
+3.5% YoY+1.9% QoQ
 +$6K $29,088
+0.1% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Top 19.7% in tier
CD Concentration 30.3%
-7.0% YoY+0.8% QoQ
 +1.3% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 58th in tier
Indirect Auto % 10.7%
-11.1% YoY-2.5% QoQ
 -8.1% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 37th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#62 of 264 • Top 8.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.46%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#166 of 264 • Top 22.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.46%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (3)

Stagnation Risk

risk
#14 of 85 • Bottom 5.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.29%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.37%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $34.9K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 30.32%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline
#61 of 85 • Bottom 25.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.37%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Strain

risk
#170 of 183 • Bottom 32.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.40%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.47%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | 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)

Comparing against 76 peers in tier

Top Strengths (5 metrics)

7
Fee Income Per Member
profitability
Value: $288.05
Peer Avg: $191.96
#7 of 76 Top 7.9% in 3B-5B tier
11
Return on Assets (ROA)
profitability
Value: 1.29%
Peer Avg: 0.75%
#11 of 76 Top 13.2% in 3B-5B tier
15
Average Member Relationship (AMR)
engagement
Value: $34,885
Peer Avg: $29,088
#15 of 76 Top 18.4% in 3B-5B tier
16
Loan-to-Member Ratio (LMR)
engagement
Value: $16,563
Peer Avg: $13,761
#16 of 76 Top 19.7% in 3B-5B tier
20
Efficiency Ratio
profitability
Value: 64.20%
Peer Avg: 71.26%
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (4 metrics)

73
Members Per Employee (MPE)
engagement
Value: 275.079
Peer Avg: 433.941
#73 of 76 Bottom 5.3% in 3B-5B tier
70
Member Growth Rate
growth
Value: -1.37%
Peer Avg: 7.02%
#70 of 76 Bottom 9.2% in 3B-5B tier
62
First Mortgage Concentration (%)
balance_sheet
Value: 49.86%
Peer Avg: 34.35%
#62 of 76 Bottom 19.7% in 3B-5B tier
61
Deposit Growth Rate
growth
Value: 0.79%
Peer Avg: 8.84%
#61 of 76 Bottom 21.1% in 3B-5B tier