BlastPoint's Credit Union Scorecard
UNITED ASSOCIATION
Charter #65155 · CA
UNITED ASSOCIATION demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Net Interest Margin 1.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.7% in tier
- + Loan Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,138
+0.7% YoY+0.3% QoQ
|
-487 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$13.3M
+3.2% YoY+0.2% QoQ
|
$-16.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
39% |
| Loans |
$7.3M
+12.3% YoY-1.8% QoQ
|
$-8.5M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$10.9M
+1.8% YoY-0.1% QoQ
|
$-14.6M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
1.8%
+5.9% YoY-12.4% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 12.4% in tier |
| NIM |
5.0%
+17.3% YoY-0.3% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 14.6% in tier |
| Efficiency Ratio |
61.3%
+5.5% YoY+4.2% QoQ
|
-20.1% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
1.0%
+149.2% YoY+37.9% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
67.3%
+10.3% YoY-1.7% QoQ
|
+6.1% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$8,505
+5.0% YoY-1.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)