BlastPoint's Credit Union Scorecard

UNITED

Charter #63597 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 in MO

UNITED has 5 strengths but faces 8 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

+ ROA 0.20% above tier average
+ Net Interest Margin 0.77% above tier average
+ Strong member growth: 33.2% YoY
+ Member Growth Rate: Top 1.0% in tier
+ Total Members: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency ratio 4.14% above tier (higher cost structure)
- AMR Growth Rate: Bottom 0.6% in tier
- Average Member Relationship (AMR): Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	37,487 +33.2% YoY+31.8% QoQ	+22.3K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	Top 2.1% in tier
Assets	$303.7M +2.1% YoY+3.6% QoQ	+$72.0M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	74%
Loans	$182.4M -0.9% YoY-1.7% QoQ	+$38.3M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	72%
Deposits	$256.8M +0.8% YoY+3.8% QoQ	+$55.7M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	72%

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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	0.9% -3.6% YoY+19.1% QoQ	+0.2%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	66%
NIM	4.4% +0.1% YoY+2.7% QoQ	+0.8%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Top 11.6% in tier
Efficiency Ratio	82.2% +9.9% YoY+0.8% QoQ	+4.1%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	0.4% +12.2% YoY+3.0% QoQ	-0.4	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	33%
Loan To Share	71.0% -1.7% YoY-5.3% QoQ	+0.6%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	49%
AMR	$11,718 -24.8% YoY-23.0% QoQ	$-13K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Bottom 1.2% in tier
CD Concentration	15.0% -17.2% YoY-1.1% QoQ	-9.3%	24.3%	18.1%	19.8%	50%
Indirect Auto %	20.0% -9.4% YoY+0.3% QoQ	+6.2%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline

#4 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -24.83%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Efficiency Drag

risk

#480 of 596 • 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: 82.16%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 33.15%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Credit Quality Pressure

risk

#599 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Cost Spiral

risk

#73 of 83 • 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: 7.40% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 67.80%

(Tier: 60.69%, National: 64.04%)

worse than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY

Indirect Auto Dependency

risk

#491 of 504 • 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): 2.06%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.03%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 33.15%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (5 metrics)

Member Growth Rate

growth

Value: 33.15%

Peer Median: -0.06%

#12 of 1070 Top 1.0% in 100M-500M tier

Total Members

engagement

Value: 37,487

Peer Median: 13,200

#22 of 1070 Top 2.0% in 100M-500M tier

124

Net Interest Margin (NIM)

profitability

Value: 4.40%

Peer Median: 3.62%

#124 of 1070 Top 11.5% in 100M-500M tier

174

Net Worth Ratio

risk

Value: 14.73%

Peer Median: 11.45%

#174 of 1070 Top 16.2% in 100M-500M tier

240

Share Certificate Concentration (%)

balance_sheet

Value: 15.00%

Peer Median: 23.10%

#240 of 1070 Top 22.3% in 100M-500M tier

Top Weaknesses (3 metrics)

1065

AMR Growth Rate

growth

Value: -24.83%

Peer Median: 3.46%

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1057

Average Member Relationship (AMR)

engagement

Value: $11,718

Peer Median: $22,931

#1057 of 1070 Bottom 1.3% in 100M-500M tier

1013

Loan-to-Member Ratio (LMR)

engagement

Value: $4,867

Peer Median: $9,356

#1013 of 1070 Bottom 5.4% in 100M-500M tier