BlastPoint's Credit Union Scorecard

UNITED BUSINESS & INDUSTRY

Charter #7244 · CT

1077 CUs in 100M-500M nationally 16 in CT

UNITED BUSINESS & INDUSTRY has 9 strengths but faces 4 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 15.4% in tier
+ Credit Quality Leader: Top 30.4% in tier
+ Emerging Performer: Top 43.7% in tier
+ Profitability Leader: Top 89.7% in tier
+ ROA 0.37% above tier average
+ Net Interest Margin 0.57% above tier average
+ Loan-to-Share Ratio: Top 3.6% in tier
+ First Mortgage Concentration (%): Top 8.3% in tier
+ Total Delinquency Rate (60+ days): Top 8.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.5% in tier
- Indirect Auto Dependency: Bottom 9.2% in tier
- Indirect Auto Concentration (%): Bottom 2.2% in tier
- Fee Income Per Member: Bottom 4.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	11,379 +3.0% YoY+0.5% QoQ	-4.2K	15,628 -3.4% YoY	13,754 +3.9% YoY	33,089 +6.1% YoY	38%
Assets	$134.2M +3.0% YoY-2.1% QoQ	$-97.1M	$231.3M -0.0% YoY	$223.0M +8.2% YoY	$547.7M +7.8% YoY	22%
Loans	$116.8M +8.1% YoY+2.0% QoQ	$-31.0M	$147.8M -1.4% YoY	$129.0M +9.8% YoY	$388.7M +8.6% YoY	45%
Deposits	$118.3M +2.0% YoY-2.8% QoQ	$-82.0M	$200.3M -0.0% YoY	$195.5M +7.9% YoY	$464.6M +9.3% YoY	25%

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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	1.2% +2.1% YoY-2.3% QoQ	+0.4%	0.8% +15.5% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	76%
NIM	4.2% +7.6% YoY+3.0% QoQ	+0.6%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	81%
Efficiency Ratio	65.2% -0.8% YoY+0.1% QoQ	-12.1%	77.3% -3.0% YoY	85.8% +0.7% YoY	79.1% -3.3% YoY	16%
Delinquency Rate	0.2% -55.8% YoY-1.6% QoQ	-0.7	0.9% +7.6% YoY	1.2% +0.2% YoY	1.2% -0.9% YoY	Bottom 8.4% in tier
Loan To Share	98.7% +6.0% YoY+5.0% QoQ	+26.0%	72.7% -1.5% YoY	56.5% +1.7% YoY	68.0% -1.7% YoY	Top 3.7% in tier
AMR	$20,665 +1.9% YoY-1.0% QoQ	$-4K	$24,363 +2.9% YoY	$16,763 +4.9% YoY	$19,418 +1.3% YoY	40%
CD Concentration	24.1% +4.3% YoY+2.4% QoQ	-0.3%	24.4% +4.2% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	60.2% +1.1% YoY+0.0% QoQ	+46.2%	14.0% -5.7% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#283 of 603 • Top 15.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 60.16%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Credit Quality Leader

growth

#104 of 340 • Top 30.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.17%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.21% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Emerging Performer

growth

#84 of 191 • Top 43.7% 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: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.01%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Profitability Leader

growth

#305 of 340 • Top 89.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk

#51 of 258 • Bottom 6.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.74%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 8.08%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#148 of 525 • Bottom 9.2% in tier

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

Why This Signature

Asset Growth (YoY): 3.04%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 60.16%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.01%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (9 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.74%

Peer Avg: -

#40 of 1077 Top 3.6% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.70%

Peer Avg: -

#90 of 1077 Top 8.3% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Avg: -

#92 of 1077 Top 8.4% in 100M-500M tier

139

Members Per Employee (MPE)

engagement

Value: 437.654

Peer Avg: -

#139 of 1077 Top 12.8% in 100M-500M tier

169

Efficiency Ratio

profitability

Value: 65.18%

Peer Avg: -

#169 of 1077 Top 15.6% in 100M-500M tier

203

Net Interest Margin (NIM)

profitability

Value: 4.16%

Peer Avg: -

#203 of 1077 Top 18.8% in 100M-500M tier

210

Member Growth Rate

growth

Value: 3.01%

Peer Avg: -

#210 of 1077 Top 19.4% in 100M-500M tier

239

Loan Growth Rate

growth

Value: 8.08%

Peer Avg: -

#239 of 1077 Top 22.1% in 100M-500M tier

258

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Avg: -

#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1054

Indirect Auto Concentration (%)

balance_sheet

Value: 60.16%

Peer Avg: -

#1054 of 1077 Bottom 2.2% in 100M-500M tier

1034

Fee Income Per Member

profitability

Value: $64.75

Peer Avg: -

#1034 of 1077 Bottom 4.1% in 100M-500M tier

835

Total Assets

balance_sheet

Value: $134.24M

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier

810

Total Deposits

balance_sheet

Value: $118.32M

Peer Avg: -

#810 of 1077 Bottom 24.9% in 100M-500M tier