BlastPoint's Credit Union Scorecard

UTILITIES EMPLOYEES

Charter #64896 · PA

Mid-Market 1B-3B

UECU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

UECU is one of 101 credit unions in the 2026 VentureTech card set. We also found UECU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
UECU
Turn your sound on
300 CUs in 1B-3B nationally 9 in PA
View Mid-Market leaderboard →

UTILITIES EMPLOYEES has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Members Per Employee (MPE): Top 4.3% in tier
  • + Net Worth Ratio: Top 7.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.9% in tier
  • - Credit Risk Growth: Bottom 38.4% in tier
  • - ROA 0.28% below tier average
  • - Efficiency ratio 1.41% above tier (higher cost structure)
  • - Delinquency rate 0.40% above tier average
  • - Net Interest Margin (NIM): Bottom 4.7% in tier
  • - Fee Income Per Member: Bottom 7.7% in tier
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 64,317
+0.0% YoY+0.5% QoQ
 -32.5K 96,861
-1.9% YoY
 18,280
+5.8% YoY
 34,678
+6.6% YoY
 20%
Assets $1.5B
+1.6% YoY+0.1% QoQ
 $-216.1M $1.7B
+0.4% YoY
 $308.6M
+9.9% YoY
 $593.1M
+10.2% YoY
 50%
Loans $800.5M
+7.7% YoY+1.6% QoQ
 $-433.7M $1.2B
+0.7% YoY
 $207.1M
+9.1% YoY
 $418.6M
+10.1% YoY
 15%
Deposits $1.3B
+0.7% YoY+0.1% QoQ
 $-202.0M $1.5B
+0.5% YoY
 $264.2M
+9.3% YoY
 $504.8M
+10.3% YoY
 47%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.5%
+82.9% YoY+2.9% QoQ
 -0.3% 0.8%
+27.6% YoY
 1.0%
+23.3% YoY
 1.2%
+121.4% YoY
 27%
NIM 2.3%
+9.8% YoY+1.8% QoQ
 -1.1% 3.4%
+6.6% YoY
 3.5%
+2.1% YoY
 3.8%
+2.3% YoY
 Bottom 4.3% in tier
Efficiency Ratio 74.4%
-3.8% YoY-2.4% QoQ
 +1.4% 73.0%
-2.7% YoY
 76.6%
-2.6% YoY
 83.0%
-5.3% YoY
 53%
Delinquency Rate 1.3%
+186.2% YoY+21.2% QoQ
 +0.4 0.9%
+7.3% YoY
 1.2%
-8.4% YoY
 1.3%
+2.6% YoY
 81%
Loan To Share 63.5%
+6.9% YoY+1.5% QoQ
 -21.3% 84.7%
+0.1% YoY
 53.4%
-2.0% YoY
 66.4%
-1.4% YoY
 Bottom 11.0% in tier
AMR $32,058
+3.3% YoY+0.2% QoQ
 +$2K $29,575
+1.5% YoY
 $16,967
+3.7% YoY
 $20,028
-0.9% YoY
 71%
CD Concentration 36.7%
+9.1% YoY+1.9% QoQ
 +7.6% 29.1% 15.6% 20.0% 82%
Indirect Auto % 0.0% -18.1% 18.1% 8.4% 7.7% Top 0.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Credit Quality Pressure

risk
#7 of 215 • Bottom 1.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.82% points
(Tier: 0.06% points, National: 0.08% points)
worse than tier avg
215 of 377 Mid-Market CUs have this signature | 962 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk
#20 of 170 • Bottom 38.4% in tier

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

Why This Signature
Loan Growth (YoY): 7.68%
(Tier: 6.76%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.82% points
(Tier: 0.06% points, National: 0.08% points)
worse than tier avg
170 of 377 Mid-Market CUs have this signature | 688 nationally
→ Stable (169→170 CUs) +1 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)

Comparing against 300 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 14.26%
#1 of 300 Top 0.1% in 1B-3B tier
14
Members Per Employee (MPE)
engagement
Value: 514.536
Peer Median: 346.173
#14 of 300 Top 4.3% in 1B-3B tier
23
Net Worth Ratio
risk
Value: 15.73%
Peer Median: 10.91%
#23 of 300 Top 7.3% in 1B-3B tier
41
Net Charge-Off Rate
risk
Value: 0.19%
Peer Median: 0.52%
#41 of 300 Top 13.3% in 1B-3B tier

Top Weaknesses (9 metrics)

287
Net Interest Margin (NIM)
profitability
Value: 2.32%
Peer Median: 3.46%
#287 of 300 Bottom 4.7% in 1B-3B tier
278
Fee Income Per Member
profitability
Value: $114.57
Peer Median: $204.73
#278 of 300 Bottom 7.7% in 1B-3B tier
267
Loan-to-Share Ratio
balance_sheet
Value: 63.46%
Peer Median: 87.07%
#267 of 300 Bottom 11.3% in 1B-3B tier
256
Share Certificate Concentration (%)
balance_sheet
Value: 36.70%
Peer Median: 28.24%
#256 of 300 Bottom 15.0% in 1B-3B tier
254
Total Loans
balance_sheet
Value: $800.51M
Peer Median: $1.14B
#254 of 300 Bottom 15.7% in 1B-3B tier
250
Deposit Growth Rate
growth
Value: 0.73%
Peer Median: 4.79%
#250 of 300 Bottom 17.0% in 1B-3B tier
243
Total Delinquency Rate (60+ days)
risk
Value: 1.26%
Peer Median: 0.70%
#243 of 300 Bottom 19.3% in 1B-3B tier
240
Total Members
engagement
Value: 64,317
Peer Median: 86,516
#240 of 300 Bottom 20.3% in 1B-3B tier
236
Asset Growth Rate
growth
Value: 1.63%
Peer Median: 5.21%
#236 of 300 Bottom 21.7% in 1B-3B tier
Link copied to clipboard!