BlastPoint's Credit Union Scorecard
UNITED SAVINGS
Charter #65578 · ND
UNITED SAVINGS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.2% in tier
- - Stagnation Risk: Bottom 30.6% in tier
- - Membership Headwinds: Bottom 31.0% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 10.63% above tier (higher cost structure)
- - Delinquency rate 0.44% above tier average
- - Members Per Employee (MPE): Bottom 6.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,167
-0.7% YoY-0.4% QoQ
|
-8.5K |
15,628
-3.4% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 11.2% in tier |
| Assets |
$121.1M
+1.5% YoY+2.0% QoQ
|
$-110.2M |
$231.3M
-0.0% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.9% in tier |
| Loans |
$88.8M
+4.4% YoY+2.4% QoQ
|
$-59.0M |
$147.8M
-1.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$104.7M
+1.3% YoY+1.8% QoQ
|
$-95.5M |
$200.3M
-0.0% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.3% in tier |
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| ROA |
0.3%
-73.5% YoY+127.6% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
4.1%
+9.5% YoY+7.0% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
87.9%
+14.3% YoY-3.7% QoQ
|
+10.6% |
77.3%
-3.0% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
Top 14.9% in tier |
| Delinquency Rate |
1.3%
-7.4% YoY-7.4% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
84.8%
+3.1% YoY+0.5% QoQ
|
+12.1% |
72.7%
-1.5% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$27,008
+3.5% YoY+2.5% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
20.0%
+5.0% YoY+4.5% QoQ
|
-4.4% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)