BlastPoint's Credit Union Scorecard

UNITED

Charter #63597 · MO

100M-500M

1069 CUs in 100M-500M nationally 24 in MO

UNITED has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.68% above tier average
+ Fee Income Per Member: Top 7.0% in tier
+ Total Members: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 4.50% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	28,440 +1.2% YoY+0.0% QoQ	+13.0K	15,437 -2.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	Top 8.1% in tier
Assets	$293.0M +5.6% YoY-3.2% QoQ	+$61.2M	$231.9M +1.3% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	72%
Loans	$185.5M -2.5% YoY-1.2% QoQ	+$38.2M	$147.3M -0.1% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	71%
Deposits	$247.4M +4.5% YoY-3.8% QoQ	+$46.6M	$200.8M +0.8% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	70%

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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	0.8% -52.2% YoY-19.1% QoQ	+0.0%	0.8% +18.2% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	52%
NIM	4.3% -7.7% YoY-0.3% QoQ	+0.7%	3.6% +6.7% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	Top 14.9% in tier
Efficiency Ratio	81.5% +18.0% YoY+3.4% QoQ	+4.5%	77.0% -3.1% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	0.4% -39.9% YoY+17.0% QoQ	-0.5	0.9% +4.2% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	24%
Loan To Share	75.0% -6.6% YoY+2.7% QoQ	+2.8%	72.2% -1.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	52%
AMR	$15,221 +0.2% YoY-2.7% QoQ	$-9K	$24,676 +3.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	Bottom 10.3% in tier
CD Concentration	15.2% -2.5% YoY-23.9% QoQ	-9.3%	24.4%	18.2%	19.8%	50%
Indirect Auto %	20.0% -11.7% YoY-1.1% QoQ	+6.2%	13.8%	10.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Cost Spiral

risk

#8 of 46 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 12.46% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.12%

(Tier: 60.04%, National: 63.66%)

worse than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Margin Compression

decline

#50 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.78%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.62%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.85% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Indirect Auto Dependency

risk

#374 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.61%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 19.97%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.16%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY

Efficiency Drag

risk

#463 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.52%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.85% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.16%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $284.50

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

Total Members

engagement

Value: 28,440

Peer Median: -

#87 of 1069 Top 8.0% in 100M-500M tier

159

Net Interest Margin (NIM)

profitability

Value: 4.28%

Peer Median: -

#159 of 1069 Top 14.8% in 100M-500M tier

160

Net Worth Ratio

risk

Value: 15.03%

Peer Median: -

#160 of 1069 Top 14.9% in 100M-500M tier

246

Share Certificate Concentration (%)

balance_sheet

Value: 15.18%

Peer Median: -

#246 of 1069 Top 22.9% in 100M-500M tier

258

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: -

#258 of 1069 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

959

Average Member Relationship (AMR)

engagement

Value: $15,221

Peer Median: -

#959 of 1069 Bottom 10.4% in 100M-500M tier

883

Loan-to-Member Ratio (LMR)

engagement

Value: $6,523

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

869

Net Charge-Off Rate

risk

Value: 0.73%

Peer Median: -

#869 of 1069 Bottom 18.8% in 100M-500M tier

847

AMR Growth Rate

growth

Value: 0.24%

Peer Median: -

#847 of 1069 Bottom 20.9% in 100M-500M tier

846

Loan Growth Rate

growth

Value: -2.45%

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier