BlastPoint's Credit Union Scorecard
AMERICAN UNITED
Charter #8187 · UT
AMERICAN UNITED has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 28.5% in tier
- + Wallet Share Momentum: Top 59.4% in tier
- + Net Interest Margin 0.23% above tier average
- + Total Loans: Top 6.1% in tier
- + Loan-to-Share Ratio: Top 8.1% in tier
- + Fee Income Per Member: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 19.2% in tier
- - Stagnation Risk: Bottom 19.7% in tier
- - Liquidity Strain: Bottom 76.7% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 0.19% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
- - Member decline: -5.7% YoY
- - Member Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,356
-5.7% YoY-1.8% QoQ
|
+5.9K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$381.4M
+2.0% YoY-1.6% QoQ
|
+$149.6M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Top 13.7% in tier |
| Loans |
$301.0M
+0.5% YoY+0.3% QoQ
|
+$153.6M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Top 6.2% in tier |
| Deposits |
$320.9M
+1.6% YoY-2.3% QoQ
|
+$120.1M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
85% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-202.0% YoY+50.5% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.8%
+8.9% YoY+2.3% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
77.2%
-8.6% YoY-2.9% QoQ
|
+0.2% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.1%
-15.6% YoY-1.4% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
93.8%
-1.1% YoY+2.6% QoQ
|
+21.6% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 8.2% in tier |
| AMR |
$29,119
+7.1% YoY+0.8% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
31.6%
-6.6% YoY-3.2% QoQ
|
+7.2% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
0.5%
+15.0% YoY+1.6% QoQ
|
-13.3% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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)