BlastPoint's Credit Union Scorecard
UNITED EQUITY
Charter #81688 · IL
UNITED EQUITY has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.63% above tier average
- + Total Members: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,050
-6.6% YoY-1.0% QoQ
|
+3.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 8.9% in tier |
| Assets |
$67.9M
-2.9% YoY-1.3% QoQ
|
+$37.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 13.4% in tier |
| Loans |
$40.1M
-10.2% YoY-2.4% QoQ
|
+$24.4M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 10.3% in tier |
| Deposits |
$55.8M
-5.2% YoY-2.0% QoQ
|
+$30.1M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 14.9% in tier |
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| ROA |
1.3%
+23.1% YoY-17.2% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
4.6%
+9.1% YoY-0.8% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
64.2%
-6.6% YoY+5.7% QoQ
|
-18.4% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.5%
-54.0% YoY-41.7% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
71.9%
-5.3% YoY-0.4% QoQ
|
+11.3% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$15,857
-0.8% YoY-1.2% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
13.1%
-15.9% YoY+6.4% QoQ
|
-11.3% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)