BlastPoint's Credit Union Scorecard

UNITED

Charter #6288 · MI

Mid-Market 3B-5B

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

View Mid-Market leaderboard →

UNITED has 5 strengths but faces 5 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

+ Profitability Leader: Top 41.5% in tier
+ Relationship Depth Leader: Top 69.7% 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	32%
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	62%
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	60%
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	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	49%
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	25%
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	42%
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	40%
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	80%
CD Concentration	30.3% -7.0% YoY+0.8% QoQ	+1.4%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	58%
Indirect Auto %	10.7% -11.1% YoY-2.5% QoQ	-8.0%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	37%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#40 of 95 • Top 41.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.29%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.72% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Relationship Depth Leader

growth

#47 of 67 • Top 69.7% 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): 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

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Concerns (3)

Stagnation Risk

risk

#14 of 85 • Bottom 5.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.37%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.47%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.53%

(Tier: 0.83%, National: 1.23%)

but better 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: 86.32%, 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)

Compare against:

Comparing against 76 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $288.05

Peer Avg: -

#7 of 76 Top 7.9% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.29%

Peer Avg: -

#11 of 76 Top 13.2% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $34,885

Peer Avg: -

#15 of 76 Top 18.4% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,563

Peer Avg: -

#16 of 76 Top 19.7% in 3B-5B tier

Efficiency Ratio

profitability

Value: 64.20%

Peer Avg: -

#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (4 metrics)

Members Per Employee (MPE)

engagement

Value: 275.079

Peer Avg: -

#73 of 76 Bottom 5.3% in 3B-5B tier

Member Growth Rate

growth

Value: -1.37%

Peer Avg: -

#70 of 76 Bottom 9.2% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 49.86%

Peer Avg: -

#62 of 76 Bottom 19.7% in 3B-5B tier

Deposit Growth Rate

growth

Value: 0.79%

Peer Avg: -

#61 of 76 Bottom 21.1% in 3B-5B tier