BlastPoint's Credit Union Scorecard

UNITEDONE

Charter #67248 · WI

100M-500M

1069 CUs in 100M-500M nationally 26 in WI

UNITEDONE has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.40% above tier average
+ Loan-to-Share Ratio: Top 2.3% in tier
+ Fee Income Per Member: Top 7.5% in tier
+ Net Charge-Off Rate: Top 8.4% in tier
+ Total Loans: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.10% below tier average
- Efficiency ratio 8.02% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	19,017 -1.0% YoY-0.2% QoQ	+3.6K	15,437 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	73%
Assets	$329.1M +7.1% YoY+2.5% QoQ	+$97.2M	$231.9M +1.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	78%
Loans	$275.0M +8.0% YoY+3.2% QoQ	+$127.7M	$147.3M -0.1% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	Top 9.4% in tier
Deposits	$274.2M +2.3% YoY+1.6% QoQ	+$73.4M	$200.8M +0.8% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -19.0% YoY-5.7% QoQ	-0.1%	0.8% +18.2% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	42%
NIM	4.0% +8.5% YoY+0.6% QoQ	+0.4%	3.6% +6.7% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	73%
Efficiency Ratio	85.0% -0.4% YoY+1.9% QoQ	+8.0%	77.0% -3.1% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.3% +16.3% YoY+208.2% QoQ	-0.6	0.9% +4.2% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	17%
Loan To Share	100.3% +5.6% YoY+1.6% QoQ	+28.1%	72.2% -1.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	Top 2.4% in tier
AMR	$28,881 +6.2% YoY+2.7% QoQ	+$4K	$24,676 +3.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	78%
CD Concentration	14.4% +2.7% YoY-1.7% QoQ	-10.1%	24.4%	21.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#106 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.16%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#408 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.16%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Liquidity Strain

risk

#33 of 228 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.28%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.98%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Efficiency Drag

risk

#138 of 538 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 85.03%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#322 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.98%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#606 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Membership Headwinds

decline

#478 of 554 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#540 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 7.98%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.32%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.28%

Peer Median: -

#26 of 1069 Top 2.3% in 100M-500M tier

Fee Income Per Member

profitability

Value: $278.68

Peer Median: -

#81 of 1069 Top 7.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: -

#91 of 1069 Top 8.4% in 100M-500M tier

100

Total Loans

balance_sheet

Value: $275.01M

Peer Median: -

#100 of 1069 Top 9.3% in 100M-500M tier

132

Loan-to-Member Ratio (LMR)

engagement

Value: $14,461

Peer Median: -

#132 of 1069 Top 12.3% in 100M-500M tier

184

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

219

Share Certificate Concentration (%)

balance_sheet

Value: 14.35%

Peer Median: -

#219 of 1069 Top 20.4% in 100M-500M tier

235

Average Member Relationship (AMR)

engagement

Value: $28,881

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

237

Total Assets

balance_sheet

Value: $329.06M

Peer Median: -

#237 of 1069 Top 22.1% in 100M-500M tier

Top Weaknesses (3 metrics)

1023

Members Per Employee (MPE)

engagement

Value: 202.309

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

934

First Mortgage Concentration (%)

balance_sheet

Value: 51.37%

Peer Median: -

#934 of 1069 Bottom 12.7% in 100M-500M tier

839

Efficiency Ratio

profitability

Value: 85.03%

Peer Median: -

#839 of 1069 Bottom 21.6% in 100M-500M tier