BlastPoint's Credit Union Scorecard

UNITED BUSINESS & INDUSTRY

Charter #7244 · CT

100M-500M

1070 CUs in 100M-500M nationally 13 in CT

UNITED BUSINESS & INDUSTRY has 6 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 50.0% in tier
+ ROA 0.48% above tier average
+ Net Interest Margin 0.41% above tier average
+ Total Delinquency Rate (60+ days): Top 6.3% in tier
+ First Mortgage Concentration (%): Top 7.5% in tier
+ Loan-to-Share Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 2.3% in tier
- Fee Income Per Member: Bottom 4.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	11,241 +1.1% YoY-1.1% QoQ	-3.9K	15,145 -2.5% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	39%
Assets	$143.4M +5.3% YoY+2.3% QoQ	$-88.3M	$231.7M +0.8% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	28%
Loans	$115.8M +4.9% YoY-2.0% QoQ	$-28.4M	$144.1M +0.2% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	46%
Deposits	$126.5M +4.4% YoY+2.1% QoQ	$-74.7M	$201.1M +0.4% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	29%

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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% +5.0% YoY+5.2% QoQ	+0.5%	0.7% +5.1% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	80%
NIM	4.0% +2.9% YoY-2.8% QoQ	+0.4%	3.6% +4.6% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	65.8% -0.8% YoY-0.3% QoQ	-12.3%	78.0% -1.7% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.1% -73.1% YoY-8.3% QoQ	-0.7	0.8% +7.1% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	Top 6.3% in tier
Loan To Share	91.5% +0.4% YoY-4.0% QoQ	+21.1%	70.4% -0.4% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	Top 9.3% in tier
AMR	$21,549 +3.5% YoY+1.2% QoQ	$-3K	$24,918 +2.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	42%
CD Concentration	25.2% +2.5% YoY-5.9% QoQ	+0.9%	24.3%	14.5%	19.8%	50%
Indirect Auto %	59.3% -0.3% YoY-1.1% QoQ	+45.5%	13.8%	4.5%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#130 of 157 • Top 50.0% 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: 1.21%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#57 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 5.32%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 59.27%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Strain

risk

#146 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.52%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.88%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 1070 peers in tier

Top Strengths (7 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.61%

#68 of 1070 Top 6.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.30%

Peer Median: 29.47%

#81 of 1070 Top 7.5% in 100M-500M tier

100

Loan-to-Share Ratio

balance_sheet

Value: 91.52%

Peer Median: 71.88%

#100 of 1070 Top 9.3% in 100M-500M tier

178

Efficiency Ratio

profitability

Value: 65.77%

Peer Median: 78.68%

#178 of 1070 Top 16.5% in 100M-500M tier

180

Members Per Employee (MPE)

engagement

Value: 416.333

Peer Median: 309.176

#180 of 1070 Top 16.7% in 100M-500M tier

219

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Median: 0.69%

#219 of 1070 Top 20.4% in 100M-500M tier

262

Net Interest Margin (NIM)

profitability

Value: 4.04%

Peer Median: 3.62%

#262 of 1070 Top 24.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1046

Indirect Auto Concentration (%)

balance_sheet

Value: 59.27%

Peer Median: 6.61%

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1020

Fee Income Per Member

profitability

Value: $59.44

Peer Median: $154.95

#1020 of 1070 Bottom 4.8% in 100M-500M tier

879

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.35%

#879 of 1070 Bottom 17.9% in 100M-500M tier