BlastPoint's Credit Union Scorecard
UNITED MEMBERS
Charter #9248 · OK
UNITED MEMBERS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 7.69% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 6.6% in tier
- - Deposit Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,226
-0.5% YoY0% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$10.6M
-8.5% YoY-2.7% QoQ
|
$-19.5M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$3.2M
+6.7% YoY+8.6% QoQ
|
$-12.6M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$8.7M
-10.2% YoY-3.1% QoQ
|
$-17.0M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.1%
+46.0% YoY-70.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
2.8%
+11.3% YoY+0.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio |
90.3%
-2.4% YoY+7.3% QoQ
|
+7.7% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.1%
-18.9% YoY-61.2% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
36.6%
+18.9% YoY+12.1% QoQ
|
-24.0% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$9,702
-5.8% YoY-0.2% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)