BlastPoint's Credit Union Scorecard
UNITEDONE
Charter #67248 · WI
UNITEDONE has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 18.3% in tier
- + Net Interest Margin 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.5% in tier
- + Total Delinquency Rate (60+ days): Top 5.2% in tier
- + Fee Income Per Member: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.1% in tier
- - Efficiency Drag: Bottom 15.4% in tier
- - Stagnation Risk: Bottom 16.5% in tier
- - Membership Headwinds: Bottom 25.7% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 6.18% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,060
-1.3% YoY-0.2% QoQ
|
+3.4K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$321.0M
+3.5% YoY+0.9% QoQ
|
+$89.7M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$266.4M
+6.5% YoY+2.0% QoQ
|
+$118.6M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Top 11.0% in tier |
| Deposits |
$269.8M
-0.6% YoY-2.0% QoQ
|
+$69.5M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.7%
-19.9% YoY+17.9% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
4.0%
+10.8% YoY+0.7% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
83.5%
-1.7% YoY-0.2% QoQ
|
+6.2% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.1%
-57.2% YoY-51.4% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.2% in tier |
| Loan To Share |
98.8%
+7.1% YoY+4.1% QoQ
|
+26.0% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 3.6% in tier |
| AMR |
$28,133
+4.2% YoY+0.2% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
14.6%
+1.8% YoY+2.2% QoQ
|
-9.8% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)