BlastPoint's Banking Scorecard
United Community Bank
Designations: ✓ CDFI-certified
Perham, MN
3 branches across MN
United Community Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 23.1% in tier
- - Flatlined Growth: Bottom 38.3% in tier
- - Delinquency Rate 1.99% above tier average
- - Non-Interest-Bearing Deposit Share 17.21% below tier average
- - Nonperforming Asset Ratio 1.12% above tier average
- - ROA 0.32% below tier average
- - Net Interest Margin 0.49% below tier average
- - Efficiency Ratio 8.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$352.4M
+0.6% YoY
-0.5% QoQ
|
-$33.7M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$208.9M
+4.1% YoY
-0.1% QoQ
|
-$46.8M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$321.0M
-0.7% YoY
-0.3% QoQ
|
-$7.0M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
0.95%
+0.7% YoY
-11.1% QoQ
|
-0.32% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
3.44%
+3.6% YoY
-0.9% QoQ
|
-0.49% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
73.58%
+1.2% YoY
+7.4% QoQ
|
+8.29% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
2.87%
+267.1% YoY
-3.3% QoQ
|
+1.99% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.5% in tier |
| Loan-to-Deposit Ratio ? |
65.09%
+4.9% YoY
+0.3% QoQ
|
-11.55% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
4.81%
-2.5% YoY
-1.8% QoQ
|
-17.21% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.4% in tier |
| Nonperforming Asset Ratio ? |
1.76%
+291.9% YoY
-2.8% QoQ
|
+1.12% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.6% in tier |
| Tier 1 Capital Ratio ? |
10.65%
+3.4% YoY
+2.2% QoQ
|
-5.18% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.13%
+29.4% YoY
-73.4% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
67% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.