BlastPoint's Credit Union Scorecard
UNITED COMMUNITY
Charter #68369 · TX
UNITED COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 1.09% above tier average
- + Fee Income Per Member: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Delinquency rate 0.21% above tier average
- - Average Member Relationship (AMR): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,596
-0.9% YoY+0.5% QoQ
|
-1.5K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$127.0M
-1.1% YoY+1.9% QoQ
|
$-104.7M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$88.5M
-2.8% YoY-4.1% QoQ
|
$-55.6M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$112.6M
-1.7% YoY+2.1% QoQ
|
$-88.5M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
0.9%
+76.8% YoY+56.7% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
4.7%
+8.3% YoY+0.3% QoQ
|
+1.1% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
77.5%
-9.8% YoY-5.8% QoQ
|
-0.5% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
1.0%
-39.3% YoY-30.1% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
78.6%
-1.0% YoY-6.0% QoQ
|
+8.2% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$14,795
-1.3% YoY-1.2% QoQ
|
$-10K |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.1% in tier |
| CD Concentration |
15.7%
+9.6% YoY-0.5% QoQ
|
-8.6% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
2.1%
-41.7% YoY-12.7% QoQ
|
-11.7% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)