BlastPoint's Credit Union Scorecard
UNITED
Charter #67587 · TX
UNITED has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.65% above tier average
- + Net Interest Margin 0.06% above tier average
- + Fee Income Per Member: Top 1.4% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.0% YoY
- - Net Worth Ratio: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,099
-6.0% YoY-1.1% QoQ
|
-526 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$28.8M
+3.0% YoY-0.3% QoQ
|
$-1.1M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$17.9M
+6.1% YoY+2.4% QoQ
|
+$2.1M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$26.0M
+0.8% YoY-0.7% QoQ
|
+$510K |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
2.3%
+509.1% YoY-27.3% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 5.2% in tier |
| NIM |
4.0%
+23.4% YoY-0.4% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
64.3%
-30.1% YoY+14.5% QoQ
|
-17.1% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.3%
-4.7% YoY+55.2% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
68.8%
+5.2% YoY+3.1% QoQ
|
+7.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$20,881
+9.5% YoY+1.6% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
17.7%
-3.5% YoY-2.6% QoQ
|
-6.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-79.3% YoY-38.4% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
7.2%
-0.2% 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)