BlastPoint's Credit Union Scorecard

UNITEDONE

Charter #67248 · WI

100M-500M

1070 CUs in 100M-500M nationally 26 in WI

UNITEDONE has 6 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 0.52% above tier average
+ Loan-to-Share Ratio: Top 2.1% in tier
+ Total Delinquency Rate (60+ days): Top 5.7% in tier
+ Total Loans: Top 8.1% 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 0.16% below tier average
- Efficiency ratio 11.11% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	18,992 -0.8% YoY-0.1% QoQ	+3.8K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	74%
Assets	$336.5M +6.7% YoY+2.3% QoQ	+$104.8M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	79%
Loans	$278.4M +9.2% YoY+1.2% QoQ	+$134.3M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	Top 8.2% in tier
Deposits	$282.6M +2.8% YoY+3.1% QoQ	+$81.5M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	77%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +240.4% YoY-14.8% QoQ	-0.2%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	40%
NIM	4.2% +7.4% YoY+3.8% QoQ	+0.5%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	89.1% +3.7% YoY+4.8% QoQ	+11.1%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	0.1% +34.6% YoY-70.7% QoQ	-0.7	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	Top 5.7% in tier
Loan To Share	98.5% +6.2% YoY-1.8% QoQ	+28.1%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 2.2% in tier
AMR	$29,540 +6.8% YoY+2.3% QoQ	+$5K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	80%
CD Concentration	13.9% -3.6% YoY-3.0% QoQ	-10.4%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#83 of 257 • 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): 6.76%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#302 of 491 • 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): 6.76%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Liquidity Strain

risk

#26 of 183 • 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: 98.51%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Efficiency Drag

risk

#181 of 596 • 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: 89.13%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.40% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk

#317 of 476 • 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): 9.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#654 of 727 • 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): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Membership Headwinds

decline

#521 of 570 • 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): -0.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#566 of 570 • 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): -0.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.09%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 98.51%

Peer Median: 71.88%

#24 of 1070 Top 2.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.61%

#62 of 1070 Top 5.7% in 100M-500M tier

Total Loans

balance_sheet

Value: $278.40M

Peer Median: $121.41M

#88 of 1070 Top 8.1% in 100M-500M tier

121

Loan-to-Member Ratio (LMR)

engagement

Value: $14,659

Peer Median: $9,356

#121 of 1070 Top 11.2% in 100M-500M tier

141

Fee Income Per Member

profitability

Value: $239.72

Peer Median: $154.95

#141 of 1070 Top 13.1% in 100M-500M tier

205

Net Interest Margin (NIM)

profitability

Value: 4.16%

Peer Median: 3.62%

#205 of 1070 Top 19.1% in 100M-500M tier

206

Share Certificate Concentration (%)

balance_sheet

Value: 13.92%

Peer Median: 23.10%

#206 of 1070 Top 19.2% in 100M-500M tier

214

Loan Growth Rate

growth

Value: 9.16%

Peer Median: 2.93%

#214 of 1070 Top 19.9% in 100M-500M tier

219

Average Member Relationship (AMR)

engagement

Value: $29,540

Peer Median: $22,931

#219 of 1070 Top 20.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1031

Members Per Employee (MPE)

engagement

Value: 197.833

Peer Median: 309.176

#1031 of 1070 Bottom 3.7% in 100M-500M tier

930

First Mortgage Concentration (%)

balance_sheet

Value: 50.89%

Peer Median: 29.47%

#930 of 1070 Bottom 13.2% in 100M-500M tier

887

Efficiency Ratio

profitability

Value: 89.13%

Peer Median: 78.68%

#887 of 1070 Bottom 17.2% in 100M-500M tier