BlastPoint's Credit Union Scorecard
UNITED LABOR
Charter #67009 · MO
UNITED LABOR has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 1.52% above tier average
- + Strong member growth: 20.6% YoY
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.5% in tier
- + Member Growth Rate: Top 1.7% in tier
- + Asset Growth Rate: Top 5.9% in tier
- + Deposit Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,479
+20.6% YoY+2.6% QoQ
|
+2.9K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 11.5% in tier |
| Assets |
$21.2M
+11.6% YoY+4.5% QoQ
|
$-8.7M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$11.8M
-0.6% YoY+0.3% QoQ
|
$-4.0M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$19.5M
+11.8% YoY+4.6% QoQ
|
$-5.9M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
52% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-24.0% YoY+47.6% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
5.5%
-4.3% YoY-0.9% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
76.8%
-6.6% YoY-0.2% QoQ
|
-4.6% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.8%
+60.9% YoY-38.8% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
60.3%
-11.1% YoY-4.1% QoQ
|
-0.9% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$5,715
-11.4% YoY+0.3% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.1% in tier |
| CD Concentration |
21.6%
+29.7% YoY+8.9% QoQ
|
-2.8% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.0%
-43.1% YoY-12.0% QoQ
|
-9.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% 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)