BlastPoint's Credit Union Scorecard

UNITED CONSUMERS

Charter #68410 · MO

1069 CUs in 100M-500M nationally 24 in MO

UNITED CONSUMERS has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 55.7% in tier
+ ROA 0.22% above tier average
+ Net Interest Margin 0.13% above tier average
+ Fee Income Per Member: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 14.1% in tier
- Membership Headwinds: Bottom 42.7% in tier
- Stagnation Risk: Bottom 53.4% in tier
- Credit Quality Pressure: Bottom 68.3% in tier
- Credit Risk Growth: Bottom 81.5% in tier
- Member decline: -3.2% YoY
- Indirect Auto Concentration (%): Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	16,704 -3.2% YoY-0.0% QoQ	+1.3K	15,437 -2.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	64%
Assets	$211.7M +5.0% YoY-0.8% QoQ	$-20.1M	$231.9M +1.3% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	54%
Loans	$155.6M +3.3% YoY+6.3% QoQ	+$8.3M	$147.3M -0.1% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	62%
Deposits	$184.9M +4.5% YoY-1.0% QoQ	$-15.9M	$200.8M +0.8% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	54%

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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	1.0% +37.4% YoY-13.9% QoQ	+0.2%	0.8% +18.2% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	67%
NIM	3.7% -0.3% YoY+1.4% QoQ	+0.1%	3.6% +6.7% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	57%
Efficiency Ratio	70.8% -7.7% YoY+0.4% QoQ	-6.2%	77.0% -3.1% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	27%
Delinquency Rate	0.9% +15.4% YoY+16.4% QoQ	-0.0	0.9% +4.2% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	60%
Loan To Share	84.2% -1.1% YoY+7.3% QoQ	+11.9%	72.2% -1.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	72%
AMR	$20,385 +7.4% YoY+2.2% QoQ	$-4K	$24,676 +3.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	36%
CD Concentration	27.3% +6.9% YoY+1.5% QoQ	+2.9%	24.4%	18.2%	19.8%	50%
Indirect Auto %	39.8% +4.3% YoY+1.8% QoQ	+26.0%	13.8%	10.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#286 of 513 • Top 55.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.40%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk

#72 of 506 • Bottom 14.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.03%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 39.78%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -3.22%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#237 of 554 • Bottom 42.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.22%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#296 of 554 • Bottom 53.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.22%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.31%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.85%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#482 of 705 • Bottom 68.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#372 of 456 • Bottom 81.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.31%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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 1069 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $305.42

Peer Median: -

#55 of 1069 Top 5.1% in 100M-500M tier

226

AMR Growth Rate

growth

Value: 7.40%

Peer Median: -

#226 of 1069 Top 21.0% in 100M-500M tier

251

First Mortgage Concentration (%)

balance_sheet

Value: 16.73%

Peer Median: -

#251 of 1069 Top 23.4% in 100M-500M tier

Top Weaknesses (3 metrics)

985

Indirect Auto Concentration (%)

balance_sheet

Value: 39.78%

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

907

Net Charge-Off Rate

risk

Value: 0.81%

Peer Median: -

#907 of 1069 Bottom 15.2% in 100M-500M tier

875

Member Growth Rate

growth

Value: -3.22%

Peer Median: -

#875 of 1069 Bottom 18.2% in 100M-500M tier