BlastPoint's Credit Union Scorecard

UNITED

Charter #63597 · MO

1077 CUs in 100M-500M nationally 24 in MO

UNITED has 8 strengths but faces 4 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

+ Organic Growth Engine: Top 26.3% in tier
+ Credit Quality Leader: Top 87.0% in tier
+ ROA 0.17% above tier average
+ Net Interest Margin 0.71% above tier average
+ Asset Growth Rate: Top 5.4% in tier
+ Deposit Growth Rate: Top 5.6% in tier
+ Fee Income Per Member: Top 7.4% in tier
+ Total Members: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 8.2% in tier
- Margin Compression: Bottom 8.3% in tier
- Indirect Auto Dependency: Bottom 10.6% in tier
- Efficiency ratio 1.57% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	28,434 +1.1% YoY+0.5% QoQ	+12.8K	15,628 -3.4% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	Top 8.7% in tier
Assets	$302.7M +12.7% YoY-0.8% QoQ	+$71.4M	$231.3M -0.0% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	73%
Loans	$187.7M -3.6% YoY+0.3% QoQ	+$39.9M	$147.8M -1.4% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	72%
Deposits	$257.0M +13.1% YoY-1.8% QoQ	+$56.7M	$200.3M -0.0% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	73%

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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	1.0% -44.7% YoY+24.7% QoQ	+0.2%	0.8% +15.5% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	63%
NIM	4.3% -10.4% YoY-0.1% QoQ	+0.7%	3.6% +6.9% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	Top 14.1% in tier
Efficiency Ratio	78.8% +15.0% YoY-1.1% QoQ	+1.6%	77.3% -3.0% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	56%
Delinquency Rate	0.4% -43.9% YoY-9.9% QoQ	-0.5	0.9% +7.6% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	22%
Loan To Share	73.0% -14.7% YoY+2.1% QoQ	+0.3%	72.7% -1.5% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	47%
AMR	$15,640 +4.3% YoY-1.3% QoQ	$-9K	$24,363 +2.9% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	Bottom 12.4% in tier
CD Concentration	19.9% +82.0% YoY+0.5% QoQ	-4.5%	24.4% +4.2% YoY	18.1% +9.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	20.2% -14.1% YoY-4.0% QoQ	+6.2%	14.0% -5.7% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#482 of 603 • Top 26.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.05%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.96%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 20.19%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#296 of 340 • Top 87.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.35%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.28% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (3)

Cost Spiral

risk

#21 of 62 • Bottom 8.2% 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: 10.29% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.14%

(Tier: 59.95%, National: 63.68%)

worse than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline

#36 of 136 • Bottom 8.3% 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: 0.96%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.73%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.78% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#171 of 525 • Bottom 10.6% in tier

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

Why This Signature

Asset Growth (YoY): 12.70%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 20.19%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.05%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (7 metrics)

Asset Growth Rate

growth

Value: 12.70%

Peer Avg: -

#59 of 1077 Top 5.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.05%

Peer Avg: -

#61 of 1077 Top 5.6% in 100M-500M tier

Fee Income Per Member

profitability

Value: $283.12

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

Total Members

engagement

Value: 28,434

Peer Avg: -

#94 of 1077 Top 8.6% in 100M-500M tier

152

Net Interest Margin (NIM)

profitability

Value: 4.30%

Peer Avg: -

#152 of 1077 Top 14.0% in 100M-500M tier

184

Net Worth Ratio

risk

Value: 14.65%

Peer Avg: -

#184 of 1077 Top 17.0% in 100M-500M tier

242

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (4 metrics)

943

Average Member Relationship (AMR)

engagement

Value: $15,640

Peer Avg: -

#943 of 1077 Bottom 12.5% in 100M-500M tier

883

Loan Growth Rate

growth

Value: -3.61%

Peer Avg: -

#883 of 1077 Bottom 18.1% in 100M-500M tier

874

Loan-to-Member Ratio (LMR)

engagement

Value: $6,601

Peer Avg: -

#874 of 1077 Bottom 18.9% in 100M-500M tier

864

Net Charge-Off Rate

risk

Value: 0.70%

Peer Avg: -

#864 of 1077 Bottom 19.9% in 100M-500M tier