BlastPoint's Credit Union Scorecard

UNITED

Charter #67587 · TX

<100M

2556 CUs in <100M nationally 243 in TX

UNITED has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.98% above tier average
+ Fee Income Per Member: Top 2.2% in tier
+ AMR Growth Rate: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -6.6% YoY
- Net Worth Ratio: Bottom 5.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	2,086 -6.6% YoY-0.6% QoQ	-529	2,615 -1.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	52%
Assets	$30.1M +6.8% YoY+4.8% QoQ	$-2K	$30.1M +2.1% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	60%
Loans	$17.8M +8.0% YoY-0.2% QoQ	+$2.1M	$15.8M -1.3% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	66%
Deposits	$27.4M +5.1% YoY+5.4% QoQ	+$1.7M	$25.7M +1.4% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	62%

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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	1.6% +436.7% YoY-31.5% QoQ	+1.0%	0.6% +10.8% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Top 13.6% in tier
NIM	3.7% +18.1% YoY-6.4% QoQ	-0.2%	4.0% +4.0% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	44%
Efficiency Ratio	70.1% -25.4% YoY+9.1% QoQ	-12.4%	82.6% -2.3% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	1.4% -24.4% YoY+8.0% QoQ	-0.2	1.6% -3.1% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	69%
Loan To Share	65.2% +2.8% YoY-5.3% QoQ	+4.6%	60.6% -3.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	57%
AMR	$21,670 +13.8% YoY+3.8% QoQ	+$7K	$14,783 -1.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	84%
CD Concentration	22.8% +21.7% YoY+28.9% QoQ	-1.7%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0% -84.3% YoY-43.3% QoQ	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $296.85

Peer Median: -

#56 of 2556 Top 2.2% in <100M tier

138

AMR Growth Rate

growth

Value: 13.77%

Peer Median: -

#138 of 2556 Top 5.4% in <100M tier

348

Return on Assets (ROA)

profitability

Value: 1.60%

Peer Median: -

#348 of 2556 Top 13.6% in <100M tier

359

Loan Growth Rate

growth

Value: 8.05%

Peer Median: -

#359 of 2556 Top 14.0% in <100M tier

377

Loan-to-Member Ratio (LMR)

engagement

Value: $8,550

Peer Median: -

#377 of 2556 Top 14.7% in <100M tier

407

Average Member Relationship (AMR)

engagement

Value: $21,670

Peer Median: -

#407 of 2556 Top 15.9% in <100M tier

458

Asset Growth Rate

growth

Value: 6.76%

Peer Median: -

#458 of 2556 Top 17.9% in <100M tier

Top Weaknesses (4 metrics)

2415

Net Worth Ratio

risk

Value: 8.20%

Peer Median: -

#2415 of 2556 Bottom 5.6% in <100M tier

2280

Member Growth Rate

growth

Value: -6.62%

Peer Median: -

#2280 of 2556 Bottom 10.8% in <100M tier

2151

Indirect Auto Concentration (%)

balance_sheet

Value: 0.03%

Peer Median: -

#2151 of 2556 Bottom 15.9% in <100M tier

1984

First Mortgage Concentration (%)

balance_sheet

Value: 28.06%

Peer Median: -

#1984 of 2556 Bottom 22.4% in <100M tier