UNITED SAVINGS

Charter #65578 | ND

100M-500M (1077 CUs) Micro
9 100M-500M in ND

UNITED SAVINGS has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 17.5% in tier
  • + Wallet Share Momentum: Top 23.4% in tier
  • + Emerging Performer: Top 28.5% in tier
  • + 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
  • - Liquidity Overhang: Bottom 30.7% 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
 28th in tier
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
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
 Bottom 16.0% in tier
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
 Top 20.1% in tier
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
 Top 19.4% in tier
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
 74th in tier
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
 73rd in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#482 of 1006 • Top 17.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.46%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#645 of 1006 • Top 23.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.46%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#536 of 627 • Top 28.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.25%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.72%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk
#233 of 521 • Bottom 13.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.91%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.70% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Stagnation Risk

risk
#505 of 550 • Bottom 30.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.25%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 19.99%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#476 of 552 • Bottom 30.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.78%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 84.80%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Membership Headwinds

decline
#511 of 550 • Bottom 31.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
217
Net Interest Margin (NIM)
profitability
Value: 4.13%
Peer Avg: 3.58%
#217 of 1077 Top 20.1% in 100M-500M tier
234
Loan-to-Member Ratio (LMR)
engagement
Value: $12,394
Peer Avg: $10,245
#234 of 1077 Top 21.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1012
Members Per Employee (MPE)
engagement
Value: 210.794
Peer Avg: 332.881
#1012 of 1077 Bottom 6.1% in 100M-500M tier
956
Total Members
engagement
Value: 7,167
Peer Avg: 15,628
#956 of 1077 Bottom 11.3% in 100M-500M tier
927
Total Assets
balance_sheet
Value: $121.10M
Peer Avg: $231.30M
#927 of 1077 Bottom 14.0% in 100M-500M tier
923
Total Deposits
balance_sheet
Value: $104.74M
Peer Avg: $200.29M
#923 of 1077 Bottom 14.4% in 100M-500M tier
917
Efficiency Ratio
profitability
Value: 87.91%
Peer Avg: 77.28%
#917 of 1077 Bottom 14.9% in 100M-500M tier
905
Return on Assets (ROA)
profitability
Value: 0.25%
Peer Avg: 0.79%
#905 of 1077 Bottom 16.1% in 100M-500M tier
869
Total Delinquency Rate (60+ days)
risk
Value: 1.30%
Peer Avg: 0.86%
#869 of 1077 Bottom 19.4% in 100M-500M tier