BlastPoint's Credit Union Scorecard
UNITED MEMBERS
Charter #9248 · OK
UNITED MEMBERS has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,227
-0.4% YoY+0.1% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$10.5M
-6.1% YoY-1.0% QoQ
|
$-19.6M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$3.1M
+3.2% YoY-2.7% QoQ
|
$-12.2M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$8.6M
-7.6% YoY-1.3% QoQ
|
$-17.2M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
0.6%
+58.1% YoY+347.4% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
3.0%
+20.5% YoY+8.9% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
83.3%
-4.6% YoY-7.7% QoQ
|
-7.3% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
0.3%
-69.5% YoY-71.8% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
35% |
| Loan To Share |
36.1%
+11.7% YoY-1.4% QoQ
|
-22.4% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$9,528
-4.5% YoY-1.8% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.5% | 7.7% | 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)