BlastPoint's Credit Union Scorecard

AMERICAN UNITED

Charter #8187 · UT

100M-500M

1024 CUs in 100M-500M nationally 10 in UT

AMERICAN UNITED has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

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 0.20% above tier average
+ Total Loans: Top 6.4% in tier
+ Fee Income Per Member: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 1.81% above tier (higher cost structure)
- Delinquency rate 0.37% above tier average
- Member decline: -6.3% YoY
- Member Growth Rate: Bottom 7.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Utah.
Shares and deposits +4.6% year over year ($337M in shares and deposits).
Membership: 20,915 members, -6.3% vs a year ago.
Delinquency rate 1.25%.
Return on assets 0.38%.
Efficiency ratio 78.54% vs a 76.73% peer average.
Loan-to-share ratio 87.60% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	20,915 -6.3% YoY-0.8% QoQ	+5.7K	15,168 -2.6% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	80%
Assets	$382.7M +0.2% YoY-2.9% QoQ	+$150.7M	$232.0M +0.7% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	Top 13.5% in tier
Loans	$295.5M -0.1% YoY+0.1% QoQ	+$149.2M	$146.3M +0.2% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	Top 6.5% in tier
Deposits	$337.3M +4.6% YoY+0.8% QoQ	+$136.6M	$200.7M +0.2% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	Top 12.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% +49.4% YoY+61.5% QoQ	-0.5%	0.9% +12.5% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	20%
NIM	3.9% +4.8% YoY+2.0% QoQ	+0.2%	3.7% +4.5% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	64%
Efficiency Ratio	78.5% -2.7% YoY-1.6% QoQ	+1.8%	76.7% -0.8% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	53%
Delinquency Rate	1.3% +15.1% YoY+19.7% QoQ	+0.4	0.9% +6.6% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	79%
Loan To Share	87.6% -4.5% YoY-0.7% QoQ	+16.1%	71.5% -0.3% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	81%
AMR	$30,253 +9.2% YoY+1.3% QoQ	+$5K	$25,107 +3.2% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	81%
CD Concentration	32.5% -0.0% YoY+1.4% QoQ	+8.0%	24.6%	28.5%	20.0%	50%
Indirect Auto %	0.4% -19.6% YoY-7.2% QoQ	-13.2%	13.6%	6.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#47 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 9.24%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.8K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#150 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.24%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (3)

Stagnation Risk

risk

#78 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.28%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.07%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.25%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#95 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -6.28%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#383 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $295.46M

Peer Median: $124.04M

#67 of 1024 Top 6.4% in 100M-500M tier

101

Fee Income Per Member

profitability

Value: $259.95

Peer Median: $159.88

#101 of 1024 Top 9.8% in 100M-500M tier

118

AMR Growth Rate

growth

Value: 9.24%

Peer Median: 3.53%

#118 of 1024 Top 11.4% in 100M-500M tier

126

Total Deposits

balance_sheet

Value: $337.29M

Peer Median: $170.77M

#126 of 1024 Top 12.2% in 100M-500M tier

138

Total Assets

balance_sheet

Value: $382.68M

Peer Median: $196.38M

#138 of 1024 Top 13.4% in 100M-500M tier

156

Loan-to-Member Ratio (LMR)

engagement

Value: $14,127

Peer Median: $9,434

#156 of 1024 Top 15.1% in 100M-500M tier

179

First Mortgage Concentration (%)

balance_sheet

Value: 13.52%

Peer Median: 29.92%

#179 of 1024 Top 17.4% in 100M-500M tier

190

Loan-to-Share Ratio

balance_sheet

Value: 87.60%

Peer Median: 73.07%

#190 of 1024 Top 18.5% in 100M-500M tier

197

Average Member Relationship (AMR)

engagement

Value: $30,253

Peer Median: $23,006

#197 of 1024 Top 19.1% in 100M-500M tier

207

Total Members

engagement

Value: 20,915

Peer Median: 13,128

#207 of 1024 Top 20.1% in 100M-500M tier

Top Weaknesses (7 metrics)

950

Member Growth Rate

growth

Value: -6.28%

Peer Median: -0.03%

#950 of 1024 Bottom 7.3% in 100M-500M tier

935

Members Per Employee (MPE)

engagement

Value: 217.865

Peer Median: 310.924

#935 of 1024 Bottom 8.8% in 100M-500M tier

925

Net Charge-Off Rate

risk

Value: 1.00%

Peer Median: 0.34%

#925 of 1024 Bottom 9.8% in 100M-500M tier

833

Asset Growth Rate

growth

Value: 0.21%

Peer Median: 4.12%

#833 of 1024 Bottom 18.8% in 100M-500M tier

817

Return on Assets (ROA)

profitability

Value: 0.38%

Peer Median: 0.75%

#817 of 1024 Bottom 20.3% in 100M-500M tier

814

Total Delinquency Rate (60+ days)

risk

Value: 1.25%

Peer Median: 0.71%

#814 of 1024 Bottom 20.6% in 100M-500M tier

801

Share Certificate Concentration (%)

balance_sheet

Value: 32.52%

Peer Median: 23.39%

#801 of 1024 Bottom 21.9% in 100M-500M tier