BlastPoint's Credit Union Scorecard

UNITED COMMUNITY

Charter #7415 · PA

1077 CUs in 100M-500M nationally 61 in PA

UNITED COMMUNITY has 7 strengths but faces 11 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

+ Credit Quality Leader: Top 21.5% in tier
+ Profitability Leader: Top 31.0% in tier
+ Wallet Share Momentum: Top 63.1% in tier
+ ROA 0.85% above tier average
+ Total Delinquency Rate (60+ days): Top 6.1% in tier
+ Net Charge-Off Rate: Top 7.1% in tier
+ Efficiency Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 1.2% in tier
- Stagnation Risk: Bottom 2.0% in tier
- Membership Headwinds: Bottom 5.6% in tier
- Institutional Decline: Bottom 12.2% in tier
- Credit Quality Pressure: Bottom 22.4% in tier
- Member decline: -5.8% YoY
- Indirect Auto Concentration (%): Bottom 1.9% in tier
- Total Loans: Bottom 4.6% in tier
- Loan-to-Share Ratio: Bottom 5.2% in tier
- Member Growth Rate: Bottom 7.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,699 -5.8% YoY-1.7% QoQ	-6.9K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	20%
Assets	$125.7M +4.1% YoY-0.1% QoQ	$-105.6M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	18%
Loans	$47.4M -5.2% YoY-2.3% QoQ	$-100.4M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Bottom 4.5% in tier
Deposits	$108.9M +3.0% YoY-0.7% QoQ	$-91.4M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% 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	1.6% +102.2% YoY+7.2% QoQ	+0.8%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	Top 8.7% in tier
NIM	3.5% +29.2% YoY+2.7% QoQ	-0.1%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	46%
Efficiency Ratio	60.9% -21.4% YoY-2.9% QoQ	-16.4%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	Bottom 9.7% in tier
Delinquency Rate	0.1% +126.9% YoY-15.1% QoQ	-0.7	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	Bottom 6.1% in tier
Loan To Share	43.5% -8.0% YoY-1.6% QoQ	-29.2%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	Bottom 5.1% in tier
AMR	$17,969 +6.6% YoY+0.5% QoQ	$-6K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	22%
CD Concentration	11.4% +21.1% YoY+1.1% QoQ	-13.0%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	62.0% -4.6% YoY-1.7% QoQ	+48.1%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Credit Quality Leader

growth

#74 of 340 • Top 21.5% in tier

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

Why This Signature

Delinquency Rate: 0.11%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% 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

Profitability Leader

growth

#106 of 340 • Top 31.0% in tier

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

Why This Signature

Return on Assets: 1.64%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.83% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

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

Wallet Share Momentum

growth

#304 of 481 • Top 63.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.63%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#21 of 525 • Bottom 1.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.07%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 62.04%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -5.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY

Stagnation Risk

risk

#34 of 550 • Bottom 2.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.16%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.11%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#93 of 550 • Bottom 5.6% in tier

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

Why This Signature

Member Growth (YoY): -5.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#97 of 256 • Bottom 12.2% in tier

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

Why This Signature

Total Assets: $125.73M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -5.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.16%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk

#554 of 736 • Bottom 22.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

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

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Avg: -

#67 of 1077 Top 6.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Avg: -

#78 of 1077 Top 7.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.64%

Peer Avg: -

#94 of 1077 Top 8.6% in 100M-500M tier

105

Efficiency Ratio

profitability

Value: 60.93%

Peer Avg: -

#105 of 1077 Top 9.7% in 100M-500M tier

144

Share Certificate Concentration (%)

balance_sheet

Value: 11.44%

Peer Avg: -

#144 of 1077 Top 13.3% in 100M-500M tier

195

First Mortgage Concentration (%)

balance_sheet

Value: 13.84%

Peer Avg: -

#195 of 1077 Top 18.0% in 100M-500M tier

225

Members Per Employee (MPE)

engagement

Value: 395.409

Peer Avg: -

#225 of 1077 Top 20.8% in 100M-500M tier

240

AMR Growth Rate

growth

Value: 6.63%

Peer Avg: -

#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1058

Indirect Auto Concentration (%)

balance_sheet

Value: 62.04%

Peer Avg: -

#1058 of 1077 Bottom 1.9% in 100M-500M tier

1028

Total Loans

balance_sheet

Value: $47.39M

Peer Avg: -

#1028 of 1077 Bottom 4.6% in 100M-500M tier

1022

Loan-to-Share Ratio

balance_sheet

Value: 43.51%

Peer Avg: -

#1022 of 1077 Bottom 5.2% in 100M-500M tier

995

Member Growth Rate

growth

Value: -5.83%

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

985

Loan-to-Member Ratio (LMR)

engagement

Value: $5,448

Peer Avg: -

#985 of 1077 Bottom 8.6% in 100M-500M tier

945

Loan Growth Rate

growth

Value: -5.16%

Peer Avg: -

#945 of 1077 Bottom 12.3% in 100M-500M tier

889

Total Assets

balance_sheet

Value: $125.73M

Peer Avg: -

#889 of 1077 Bottom 17.5% in 100M-500M tier

889

Total Deposits

balance_sheet

Value: $108.92M

Peer Avg: -

#889 of 1077 Bottom 17.5% in 100M-500M tier

856

Total Members

engagement

Value: 8,699

Peer Avg: -

#856 of 1077 Bottom 20.6% in 100M-500M tier

836

Average Member Relationship (AMR)

engagement

Value: $17,969

Peer Avg: -

#836 of 1077 Bottom 22.5% in 100M-500M tier