BlastPoint's Credit Union Scorecard
AMERICAN UNITED
Charter #8187 · UT
AMERICAN UNITED has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 2.7% in tier
- + Wallet Share Momentum: Top 5.6% in tier
- + Net Interest Margin 0.16% above tier average
- + AMR Growth Rate: Top 2.0% in tier
- + Total Loans: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 1.0% in tier
- - Stagnation Risk: Bottom 5.2% in tier
- - Liquidity Strain: Bottom 32.3% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 2.25% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Member decline: -14.0% YoY
- - Member Growth Rate: Bottom 1.9% in tier
- - Members Per Employee (MPE): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,751
-14.0% YoY-2.5% QoQ
|
+6.1K |
15,628
-3.4% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$387.8M
+3.2% YoY+1.5% QoQ
|
+$156.5M |
$231.3M
-0.0% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Top 12.4% in tier |
| Loans |
$300.1M
-0.3% YoY+1.5% QoQ
|
+$152.3M |
$147.8M
-1.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Top 5.9% in tier |
| Deposits |
$328.3M
+3.7% YoY+1.8% QoQ
|
+$128.0M |
$200.3M
-0.0% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Top 13.3% in tier |
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 |
0.3%
-191.0% YoY+29.7% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
3.7%
+12.2% YoY+1.0% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
79.5%
-7.7% YoY-1.5% QoQ
|
+2.2% |
77.3%
-3.0% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.1%
-9.8% YoY-1.5% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
91.4%
-3.9% YoY-0.3% QoQ
|
+18.7% |
72.7%
-1.5% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 13.3% in tier |
| AMR |
$28,893
+18.3% YoY+4.3% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
32.7%
-1.7% YoY+0.4% QoQ
|
+8.3% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.5%
+17.0% YoY-6.9% QoQ
|
-13.5% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
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 declining year-over-year. Shrinking 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)