BlastPoint's Credit Union Scorecard
UNITED ASSOCIATION
Charter #65155 · CA
UNITED ASSOCIATION has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Members Per Employee (MPE): Top 0.7% in tier
- + Deposit Growth Rate: Top 7.7% in tier
- + Asset Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.30% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,160
+1.6% YoY+1.5% QoQ
|
-516 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$14.3M
+9.3% YoY+4.6% QoQ
|
$-15.9M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$7.2M
-0.9% YoY-1.1% QoQ
|
$-8.1M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$11.9M
+10.5% YoY+6.0% QoQ
|
$-13.9M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
-1.2%
-142.1% YoY-166.0% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.5% in tier |
| NIM |
4.6%
-5.1% YoY-7.6% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
68.6%
+27.7% YoY+8.1% QoQ
|
-22.0% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate |
0.2%
-58.5% YoY
|
-1.3 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
60.6%
-10.3% YoY-6.8% QoQ
|
+2.1% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$8,848
+4.2% YoY+1.7% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)