BlastPoint's Credit Union Scorecard

UNITED BUSINESS & INDUSTRY

Charter #7244 · CT

1069 CUs in 100M-500M nationally 13 in CT

UNITED BUSINESS & INDUSTRY has 7 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

+ Emerging Performer: Top 51.9% in tier
+ Organic Growth Engine: Top 55.9% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.55% above tier average
+ Total Delinquency Rate (60+ days): Top 4.8% in tier
+ Loan-to-Share Ratio: Top 6.6% in tier
+ First Mortgage Concentration (%): Top 7.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 20.8% in tier
- Liquidity Strain: Bottom 37.9% in tier
- Indirect Auto Concentration (%): Bottom 2.2% in tier
- Fee Income Per Member: Bottom 3.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	11,370 +2.4% YoY-0.1% QoQ	-4.1K	15,437 -2.9% YoY	14,275 +6.6% YoY	33,374 +5.7% YoY	38%
Assets	$140.2M +5.1% YoY+4.4% QoQ	$-91.7M	$231.9M +1.3% YoY	$241.1M +14.1% YoY	$561.6M +9.7% YoY	26%
Loans	$118.1M +9.1% YoY+1.1% QoQ	$-29.2M	$147.3M -0.1% YoY	$136.5M +14.4% YoY	$397.0M +8.8% YoY	46%
Deposits	$123.9M +4.3% YoY+4.7% QoQ	$-76.9M	$200.8M +0.8% YoY	$211.2M +13.7% YoY	$477.3M +9.7% YoY	28%

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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% +8.9% YoY-0.5% QoQ	+0.4%	0.8% +18.2% YoY	0.6% +43.4% YoY	0.7% +15.9% YoY	77%
NIM	4.2% +8.1% YoY-0.1% QoQ	+0.5%	3.6% +6.7% YoY	3.6% +1.8% YoY	3.8% +5.1% YoY	80%
Efficiency Ratio	66.0% -0.5% YoY+1.3% QoQ	-11.0%	77.0% -3.1% YoY	81.1% -1.3% YoY	79.7% -3.3% YoY	17%
Delinquency Rate	0.1% -75.3% YoY-36.4% QoQ	-0.8	0.9% +4.2% YoY	1.5% +7.3% YoY	1.3% -2.1% YoY	Bottom 4.8% in tier
Loan To Share	95.3% +4.6% YoY-3.4% QoQ	+23.1%	72.2% -1.1% YoY	54.6% -1.8% YoY	67.4% -1.7% YoY	Top 6.7% in tier
AMR	$21,286 +4.1% YoY+3.0% QoQ	$-3K	$24,676 +3.4% YoY	$17,243 +6.0% YoY	$19,687 +2.0% YoY	42%
CD Concentration	26.8% +4.1% YoY+10.8% QoQ	+2.3%	24.4%	14.6%	19.8%	50%
Indirect Auto %	60.0% +1.1% YoY-0.3% QoQ	+46.2%	13.8%	4.6%	7.8%	50%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#95 of 182 • Top 51.9% 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: 1.15%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.40%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Engine

growth

#333 of 595 • Top 55.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.40%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.15%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 59.95%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#106 of 506 • Bottom 20.8% in tier

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

Why This Signature

Asset Growth (YoY): 5.10%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 59.95%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.40%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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

↓ Shrinking -35 CUs YoY | Rank worsening

Liquidity Strain

risk

#87 of 228 • Bottom 37.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.34%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.12%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 (9 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: -

#52 of 1069 Top 4.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.34%

Peer Median: -

#72 of 1069 Top 6.6% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.33%

Peer Median: -

#80 of 1069 Top 7.4% in 100M-500M tier

111

Members Per Employee (MPE)

engagement

Value: 454.800

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

180

Efficiency Ratio

profitability

Value: 66.00%

Peer Median: -

#180 of 1069 Top 16.7% in 100M-500M tier

211

Loan Growth Rate

growth

Value: 9.12%

Peer Median: -

#211 of 1069 Top 19.6% in 100M-500M tier

218

Net Interest Margin (NIM)

profitability

Value: 4.15%

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

243

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

254

Member Growth Rate

growth

Value: 2.40%

Peer Median: -

#254 of 1069 Top 23.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1047

Indirect Auto Concentration (%)

balance_sheet

Value: 59.95%

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

1029

Fee Income Per Member

profitability

Value: $66.63

Peer Median: -

#1029 of 1069 Bottom 3.8% in 100M-500M tier