BlastPoint's Credit Union Scorecard

UNITED COMMUNITY

Charter #68369 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 in TX

UNITED COMMUNITY has 6 strengths but faces 8 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.06% above tier average
+ Net Interest Margin 1.08% above tier average
+ Fee Income Per Member: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Efficiency ratio 1.99% above tier (higher cost structure)
- Delinquency rate 0.17% above tier average
- AMR Growth Rate: Bottom 8.2% in tier
- Deposit Growth Rate: Bottom 9.1% in tier
- Average Member Relationship (AMR): Bottom 9.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits -2.3% year over year ($113M in shares and deposits).
Membership: 13,473 members, +1.1% vs a year ago.
Delinquency rate 1.05%.
Return on assets 0.93%.
Efficiency ratio 78.72% vs a 76.73% peer average.
Loan-to-share ratio 80.14% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	13,473 +1.1% YoY-0.9% QoQ	-1.7K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	51%
Assets	$127.9M -1.0% YoY+0.7% QoQ	$-104.1M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	18%
Loans	$90.2M -0.6% YoY+2.0% QoQ	$-56.0M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	30%
Deposits	$112.6M -2.3% YoY-0.0% QoQ	$-88.1M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	19%

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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	0.9% +81.5% YoY-1.4% QoQ	+0.1%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	60%
NIM	4.8% +8.1% YoY+0.9% QoQ	+1.1%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Top 6.2% in tier
Efficiency Ratio	78.7% -6.4% YoY+1.5% QoQ	+2.0%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	54%
Delinquency Rate	1.1% +49.8% YoY+7.3% QoQ	+0.2	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	71%
Loan To Share	80.1% +1.8% YoY+2.0% QoQ	+8.6%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	65%
AMR	$15,057 -2.6% YoY+1.8% QoQ	$-10K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	Bottom 9.2% in tier
CD Concentration	16.0% +7.4% YoY+1.8% QoQ	-8.6%	24.6%	21.6%	20.0%	50%
Indirect Auto %	1.7% -46.8% YoY-18.5% QoQ	-11.9%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#277 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.07%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.93%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 1.74%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Organic Growth Leader

growth

#285 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.07%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 1.74%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Emerging Performer

growth

#158 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.93%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.07%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#211 of 693 • 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): 0.35% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#103 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.60%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

Deposit Outflow

decline

#68 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.34%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.07%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | 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 1024 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $309.14

Peer Median: $159.88

#44 of 1024 Top 4.2% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.77%

Peer Median: 3.67%

#64 of 1024 Top 6.2% in 100M-500M tier

252

Share Certificate Concentration (%)

balance_sheet

Value: 15.96%

Peer Median: 23.39%

#252 of 1024 Top 24.5% in 100M-500M tier

Top Weaknesses (8 metrics)

941

AMR Growth Rate

growth

Value: -2.60%

Peer Median: 3.53%

#941 of 1024 Bottom 8.2% in 100M-500M tier

932

Deposit Growth Rate

growth

Value: -2.34%

Peer Median: 3.58%

#932 of 1024 Bottom 9.1% in 100M-500M tier

930

Average Member Relationship (AMR)

engagement

Value: $15,057

Peer Median: $23,006

#930 of 1024 Bottom 9.3% in 100M-500M tier

905

Net Charge-Off Rate

risk

Value: 0.89%

Peer Median: 0.34%

#905 of 1024 Bottom 11.7% in 100M-500M tier

902

Asset Growth Rate

growth

Value: -1.04%

Peer Median: 4.12%

#902 of 1024 Bottom 12.0% in 100M-500M tier

839

Total Assets

balance_sheet

Value: $127.91M

Peer Median: $196.38M

#839 of 1024 Bottom 18.2% in 100M-500M tier

832

Loan-to-Member Ratio (LMR)

engagement

Value: $6,698

Peer Median: $9,434

#832 of 1024 Bottom 18.8% in 100M-500M tier

829

Total Deposits

balance_sheet

Value: $112.62M

Peer Median: $170.77M

#829 of 1024 Bottom 19.1% in 100M-500M tier