BlastPoint's Credit Union Scorecard
UNITED SAVINGS
Charter #65578 · ND
UNITED SAVINGS has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 31.8% in tier
- - Credit Risk Growth: Bottom 42.6% in tier
- - Credit Quality Pressure: Bottom 48.7% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 9.60% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,167
-0.1% YoY0% QoQ
|
-8.3K |
15,437
-2.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 11.7% in tier |
| Assets |
$122.4M
+3.2% YoY+1.1% QoQ
|
$-109.4M |
$231.9M
+1.3% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.9% in tier |
| Loans |
$89.6M
+6.7% YoY+0.8% QoQ
|
$-57.8M |
$147.3M
-0.1% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$105.9M
+2.9% YoY+1.1% QoQ
|
$-94.9M |
$200.8M
+0.8% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
0.3%
-61.3% YoY+30.2% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
4.1%
+7.9% YoY+0.2% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
86.6%
+12.2% YoY-1.5% QoQ
|
+9.6% |
77.0%
-3.1% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.9%
+33.1% YoY-33.6% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
84.6%
+3.7% YoY-0.3% QoQ
|
+12.3% |
72.2%
-1.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$27,274
+4.7% YoY+1.0% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
20.2%
+7.0% YoY+1.0% QoQ
|
-4.2% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)