BlastPoint's Credit Union Scorecard

UNITED

Charter #63597 · MO

100M-500M

1024 CUs in 100M-500M nationally 22 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 0.33% above tier average
+ Net Interest Margin 0.73% above tier average
+ Strong member growth: 32.8% YoY
+ Member Growth Rate: Top 0.8% in tier
+ Total Members: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency ratio 0.27% above tier (higher cost structure)
- AMR Growth Rate: Bottom 0.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
Shares and deposits -3.1% year over year ($254M in shares and deposits).
Membership: 37,602 members, +32.8% vs a year ago.
Delinquency rate 0.40%.
Return on assets 1.19%.
Efficiency ratio 77.01% vs a 76.73% peer average.
Loan-to-share ratio 75.51% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	37,602 +32.8% YoY+0.3% QoQ	+22.4K	15,168 -2.6% YoY	15,766 -0.3% YoY	34,678 +6.6% YoY	Top 2.3% in tier
Assets	$302.1M -1.0% YoY-0.5% QoQ	+$70.1M	$232.0M +0.7% YoY	$225.8M +8.3% YoY	$593.1M +10.2% YoY	74%
Loans	$191.4M +2.3% YoY+4.9% QoQ	+$45.2M	$146.3M +0.2% YoY	$157.5M +9.5% YoY	$418.6M +10.1% YoY	73%
Deposits	$253.5M -3.1% YoY-1.3% QoQ	+$52.8M	$200.7M +0.2% YoY	$197.6M +8.9% YoY	$504.8M +10.3% 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	1.2% +54.8% YoY+28.8% QoQ	+0.3%	0.9% +12.5% YoY	1.4% +222.5% YoY	1.2% +121.4% YoY	76%
NIM	4.4% +2.6% YoY+0.3% QoQ	+0.7%	3.7% +4.5% YoY	3.8% +0.7% YoY	3.8% +2.3% YoY	Top 12.6% in tier
Efficiency Ratio	77.0% -3.4% YoY-6.3% QoQ	+0.3%	76.7% -0.8% YoY	83.2% +2.3% YoY	83.0% -5.3% YoY	49%
Delinquency Rate	0.4% +3.4% YoY-4.8% QoQ	-0.5	0.9% +6.6% YoY	1.1% -8.7% YoY	1.3% +2.6% YoY	27%
Loan To Share	75.5% +5.6% YoY+6.3% QoQ	+4.0%	71.5% -0.3% YoY	69.6% -2.9% YoY	66.4% -1.4% YoY	54%
AMR	$11,832 -25.3% YoY+1.0% QoQ	$-13K	$25,107 +3.2% YoY	$17,444 +4.9% YoY	$20,028 -0.9% YoY	Bottom 1.3% in tier
CD Concentration	13.9% -30.1% YoY-7.6% QoQ	-10.7%	24.6%	18.3%	20.0%	50%
Indirect Auto %	19.0% -9.7% YoY-5.2% QoQ	+5.4%	13.6%	9.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Shrinking Wallet Share

decline

#6 of 223 • 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): -25.35%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Deposit Outflow

decline

#27 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.10%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 32.84%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Flatlined Growth

risk

#24 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.99%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 1.19%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#652 of 693 • 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): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#458 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.34%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#475 of 476 • 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): -0.99%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 18.99%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 32.84%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 32.84%

Peer Median: -0.03%

#9 of 1024 Top 0.8% in 100M-500M tier

Total Members

engagement

Value: 37,602

Peer Median: 13,128

#24 of 1024 Top 2.2% in 100M-500M tier

129

Net Interest Margin (NIM)

profitability

Value: 4.41%

Peer Median: 3.67%

#129 of 1024 Top 12.5% in 100M-500M tier

169

Net Worth Ratio

risk

Value: 15.17%

Peer Median: 11.71%

#169 of 1024 Top 16.4% in 100M-500M tier

187

Share Certificate Concentration (%)

balance_sheet

Value: 13.86%

Peer Median: 23.39%

#187 of 1024 Top 18.2% in 100M-500M tier

242

Fee Income Per Member

profitability

Value: $211.46

Peer Median: $159.88

#242 of 1024 Top 23.5% in 100M-500M tier

251

Return on Assets (ROA)

profitability

Value: 1.19%

Peer Median: 0.75%

#251 of 1024 Top 24.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1019

AMR Growth Rate

growth

Value: -25.35%

Peer Median: 3.53%

#1019 of 1024 Bottom 0.6% in 100M-500M tier

1011

Average Member Relationship (AMR)

engagement

Value: $11,832

Peer Median: $23,006

#1011 of 1024 Bottom 1.4% in 100M-500M tier

960

Loan-to-Member Ratio (LMR)

engagement

Value: $5,091

Peer Median: $9,434

#960 of 1024 Bottom 6.3% in 100M-500M tier

955

Deposit Growth Rate

growth

Value: -3.10%

Peer Median: 3.58%

#955 of 1024 Bottom 6.8% in 100M-500M tier

900

Asset Growth Rate

growth

Value: -0.99%

Peer Median: 4.12%

#900 of 1024 Bottom 12.2% in 100M-500M tier

797

Net Charge-Off Rate

risk

Value: 0.65%

Peer Median: 0.34%

#797 of 1024 Bottom 22.3% in 100M-500M tier