BlastPoint's Credit Union Scorecard
AMERICAN UNITED
Charter #8187 · UT
AMERICAN UNITED has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.18% above tier average
- + Total Loans: Top 6.0% in tier
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 1.76% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Member decline: -6.8% YoY
- - Member Growth Rate: Bottom 6.4% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,084
-6.8% YoY-1.3% QoQ
|
+5.9K |
15,145
-2.5% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$394.2M
+4.2% YoY+3.4% QoQ
|
+$162.5M |
$231.7M
+0.8% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Top 12.1% in tier |
| Loans |
$295.2M
-0.2% YoY-1.9% QoQ
|
+$151.1M |
$144.1M
+0.2% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Top 6.1% in tier |
| Deposits |
$334.7M
+4.7% YoY+4.3% QoQ
|
+$133.5M |
$201.1M
+0.4% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Top 12.7% in tier |
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| ROA |
0.2%
+9.7% YoY-52.6% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
3.8%
+3.4% YoY-0.6% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
79.8%
-2.9% YoY+3.3% QoQ
|
+1.8% |
78.0%
-1.7% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
1.0%
-14.9% YoY-1.1% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
88.2%
-4.7% YoY-5.9% QoQ
|
+17.8% |
70.4%
-0.4% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 13.9% in tier |
| AMR |
$29,874
+9.9% YoY+2.6% QoQ
|
+$5K |
$24,918
+2.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration |
32.1%
+0.3% YoY+1.5% QoQ
|
+7.8% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
0.4%
-9.8% YoY-8.4% QoQ
|
-13.4% | 13.8% | 7.1% | 7.7% | 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 (2)
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.
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)