AMERICAN UNITED

Charter #8187 | UT

100M-500M (1077 CUs) Micro
13 100M-500M in UT

AMERICAN UNITED has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.0% in tier
  • + Relationship Depth Leader: Top 4.4% 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
 Top 20.4% in tier
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
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
 Bottom 20.6% in tier
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
 59th in tier
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
 59th in tier
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
 74th in tier
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
 Top 20.2% in tier
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
 50th in tier
Indirect Auto % 0.5%
+17.0% YoY-6.9% QoQ
 -13.5% 14.0%
-5.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#28 of 1006 • Top 1.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 18.29%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#122 of 1006 • Top 4.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 18.29%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Membership Headwinds

decline
#18 of 550 • Bottom 1.0% in tier

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

Why This Signature
Member Growth (YoY): -14.01%
(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

Stagnation Risk

risk
#87 of 550 • Bottom 5.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.33%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -14.01%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.9K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 32.66%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk
#251 of 258 • Bottom 32.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.42%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.35%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

23
AMR Growth Rate
growth
Value: 18.29%
Peer Avg: 3.64%
#23 of 1077 Top 2.0% in 100M-500M tier
64
Total Loans
balance_sheet
Value: $300.14M
Peer Avg: $147.80M
#64 of 1077 Top 5.8% in 100M-500M tier
134
Total Assets
balance_sheet
Value: $387.77M
Peer Avg: $231.30M
#134 of 1077 Top 12.3% in 100M-500M tier
139
Fee Income Per Member
profitability
Value: $252.06
Peer Avg: $174.31
#139 of 1077 Top 12.8% in 100M-500M tier
143
Loan-to-Share Ratio
balance_sheet
Value: 91.42%
Peer Avg: 72.70%
#143 of 1077 Top 13.2% in 100M-500M tier
143
Total Deposits
balance_sheet
Value: $328.30M
Peer Avg: $200.29M
#143 of 1077 Top 13.2% in 100M-500M tier
151
Loan-to-Member Ratio (LMR)
engagement
Value: $13,799
Peer Avg: $10,245
#151 of 1077 Top 13.9% in 100M-500M tier
201
First Mortgage Concentration (%)
balance_sheet
Value: 14.10%
Peer Avg: 30.43%
#201 of 1077 Top 18.6% in 100M-500M tier
218
Average Member Relationship (AMR)
engagement
Value: $28,893
Peer Avg: $24,363
#218 of 1077 Top 20.1% in 100M-500M tier
220
Total Members
engagement
Value: 21,751
Peer Avg: 15,628
#220 of 1077 Top 20.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1058
Member Growth Rate
growth
Value: -14.01%
Peer Avg: 0.72%
#1058 of 1077 Bottom 1.9% in 100M-500M tier
973
Members Per Employee (MPE)
engagement
Value: 226.573
Peer Avg: 332.881
#973 of 1077 Bottom 9.7% in 100M-500M tier
956
Net Charge-Off Rate
risk
Value: 0.91%
Peer Avg: 0.47%
#956 of 1077 Bottom 11.3% in 100M-500M tier
856
Share Certificate Concentration (%)
balance_sheet
Value: 32.66%
Peer Avg: 23.61%
#856 of 1077 Bottom 20.6% in 100M-500M tier
855
Return on Assets (ROA)
profitability
Value: 0.33%
Peer Avg: 0.79%
#855 of 1077 Bottom 20.7% in 100M-500M tier