BlastPoint's Credit Union Scorecard
UNITED BUSINESS & INDUSTRY
Charter #7244 · CT
UNITED BUSINESS & INDUSTRY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.43% above tier average
- + Total Delinquency Rate (60+ days): Top 5.0% in tier
- + First Mortgage Concentration (%): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 2.4% in tier
- - Fee Income Per Member: Bottom 4.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in Connecticut.
- Shares and deposits +2.1% year over year ($124M in shares and deposits).
- Membership: 11,214 members, -1.0% vs a year ago.
- Delinquency rate 0.09%.
- Return on assets 1.12%.
- Efficiency ratio 66.03% vs a 76.73% peer average.
- Loan-to-share ratio 92.33% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,214
-1.0% YoY-0.2% QoQ
|
-4.0K |
15,168
-2.6% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$141.4M
+3.1% YoY-1.4% QoQ
|
$-90.6M |
$232.0M
+0.7% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$114.8M
+0.3% YoY-0.8% QoQ
|
$-31.5M |
$146.3M
+0.2% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$124.3M
+2.1% YoY-1.7% QoQ
|
$-76.4M |
$200.7M
+0.2% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
1.1%
-5.5% YoY-7.6% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
4.1%
+1.9% YoY+2.0% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
66.0%
+1.4% YoY+0.4% QoQ
|
-10.7% |
76.7%
-0.8% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
0.1%
-48.5% YoY-10.3% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Top 5.0% in tier |
| Loan To Share |
92.3%
-1.8% YoY+0.9% QoQ
|
+20.8% |
71.5%
-0.3% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 10.7% in tier |
| AMR |
$21,325
+2.2% YoY-1.0% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
26.0%
+10.2% YoY+3.2% QoQ
|
+1.4% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % |
59.4%
-1.3% YoY+0.2% QoQ
|
+45.7% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)