BlastPoint's Credit Union Scorecard

UNITED COMMUNITY

Charter #7415 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

UNITED COMMUNITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.55% above tier average
+ Total Delinquency Rate (60+ days): Top 1.3% 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
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Member decline: -5.1% YoY
- Indirect Auto Concentration (%): Bottom 1.8% in tier
- Total Loans: Bottom 5.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,514 -5.1% YoY-0.1% QoQ	-6.6K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	22%
Assets	$127.7M +1.0% YoY+1.4% QoQ	$-104.0M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	18%
Loans	$46.0M -3.8% YoY+0.0% QoQ	$-98.1M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Bottom 4.9% in tier
Deposits	$110.5M +0.4% YoY+1.8% QoQ	$-90.6M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	18%

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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	1.3% -3.4% YoY+10.1% QoQ	+0.6%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	82%
NIM	3.5% +3.9% YoY+10.9% QoQ	-0.1%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	68.6% +2.8% YoY-1.1% QoQ	-9.4%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.0% -88.4% QoQ	-0.8	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	Top 1.3% in tier
Loan To Share	41.6% -4.2% YoY-1.7% QoQ	-28.8%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 5.3% in tier
AMR	$18,391 +4.5% YoY+1.4% QoQ	$-7K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	22%
CD Concentration	12.3% +19.4% YoY+5.1% QoQ	-12.0%	24.3%	15.4%	19.8%	50%
Indirect Auto %	62.4% -3.1% YoY+2.3% QoQ	+48.6%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#92 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): 0.95%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 62.39%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -5.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

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

↓ Shrinking -29 CUs YoY | Rank worsening

Membership Headwinds

decline

#126 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#184 of 570 • Bottom 50.0% 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): -5.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.77%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.02%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#107 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $127.68M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -5.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.77%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Credit Quality Pressure

risk

#703 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | 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 1070 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: 0.61%

#15 of 1070 Top 1.3% in 100M-500M tier

158

Share Certificate Concentration (%)

balance_sheet

Value: 12.30%

Peer Median: 23.10%

#158 of 1070 Top 14.7% in 100M-500M tier

183

First Mortgage Concentration (%)

balance_sheet

Value: 13.12%

Peer Median: 29.47%

#183 of 1070 Top 17.0% in 100M-500M tier

187

Return on Assets (ROA)

profitability

Value: 1.28%

Peer Median: 0.69%

#187 of 1070 Top 17.4% in 100M-500M tier

234

Efficiency Ratio

profitability

Value: 68.61%

Peer Median: 78.68%

#234 of 1070 Top 21.8% in 100M-500M tier

246

Members Per Employee (MPE)

engagement

Value: 387.000

Peer Median: 309.176

#246 of 1070 Top 22.9% in 100M-500M tier

Top Weaknesses (13 metrics)

1052

Indirect Auto Concentration (%)

balance_sheet

Value: 62.39%

Peer Median: 6.61%

#1052 of 1070 Bottom 1.8% in 100M-500M tier

1018

Total Loans

balance_sheet

Value: $46.03M

Peer Median: $121.41M

#1018 of 1070 Bottom 5.0% in 100M-500M tier

1013

Loan-to-Share Ratio

balance_sheet

Value: 41.64%

Peer Median: 71.88%

#1013 of 1070 Bottom 5.4% in 100M-500M tier

982

Loan-to-Member Ratio (LMR)

engagement

Value: $5,406

Peer Median: $9,356

#982 of 1070 Bottom 8.3% in 100M-500M tier

965

Member Growth Rate

growth

Value: -5.10%

Peer Median: -0.06%

#965 of 1070 Bottom 9.9% in 100M-500M tier

918

Loan Growth Rate

growth

Value: -3.77%

Peer Median: 2.93%

#918 of 1070 Bottom 14.3% in 100M-500M tier

882

Total Deposits

balance_sheet

Value: $110.55M

Peer Median: $171.29M

#882 of 1070 Bottom 17.7% in 100M-500M tier

873

Total Assets

balance_sheet

Value: $127.68M

Peer Median: $196.57M

#873 of 1070 Bottom 18.5% in 100M-500M tier

840

Total Members

engagement

Value: 8,514

Peer Median: 13,200

#840 of 1070 Bottom 21.6% in 100M-500M tier

831

Average Member Relationship (AMR)

engagement

Value: $18,391

Peer Median: $22,931

#831 of 1070 Bottom 22.4% in 100M-500M tier