BlastPoint's Credit Union Scorecard
UNITED COMMUNITY
Charter #68369 · TX
UNITED COMMUNITY has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.11% above tier average
- + Fee Income Per Member: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 31.3% in tier
- - Stagnation Risk: Bottom 59.1% in tier
- - Deposit Outflow: Bottom 91.2% in tier
- - Membership Headwinds: Bottom 92.8% in tier
- - Institutional Decline: Bottom 97.1% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 5.31% above tier (higher cost structure)
- - Delinquency rate 0.51% above tier average
- - Net Charge-Off Rate: Bottom 9.4% in tier
- - Average Member Relationship (AMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,531
-0.8% YoY+0.6% QoQ
|
-1.9K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$124.6M
+0.4% YoY-1.4% QoQ
|
$-107.3M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$92.3M
-1.2% YoY+2.4% QoQ
|
$-55.1M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$110.4M
-1.1% YoY-1.0% QoQ
|
$-90.4M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-10.6% YoY+18.2% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
4.7%
+4.9% YoY+4.0% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
82.3%
-1.4% YoY-0.7% QoQ
|
+5.3% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.4%
-34.7% YoY+16.1% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
83.6%
-0.1% YoY+3.4% QoQ
|
+11.4% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$14,978
-0.4% YoY-0.0% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.5% in tier |
| CD Concentration |
15.8%
+10.3% YoY+2.5% QoQ
|
-8.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
2.4%
-39.0% YoY-15.5% QoQ
|
-11.4% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
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)