After taking a closer look at the rating, I think you've been too stingy with giving out stars.

You know I was going to look over your fish men army, but now I must make a lengthy reply to this instead....

I think umenzi spearmen are an amazing upgrade from warriors for the incredibly low price of 17 points. I'll give them **** overall, but only **/***/**** for creating regret in large/cavalry units. Why? Their flimsy defensive stats make them super easy to smash through for cavalry/large units on the charge. However, it'll still depend on what you want them to do. Putting these guys against hydras, trolls, t-rexes, etc is just pure stupidity, as they'll die immediately if not rout. For the not-so-scary large units or cavalry, they're probably **/*** because they still can't hold there well enough. By this I mean 300-400 point range. Though knights on the charge is just too scary for them to handle. They're probably **** for taking down light cavalry, though my high elven opponent doesn't have much of them, so I can't really comment here. Chariots go down to just about anything above 200 points, especially if backed up by atlatlmen. Bowriders - if you're stupid enough to charge them into the front of spearmen alone, I'll LOL.
Your right. Umenzi Spears are going to get ploughed by just about any decent cavalry or monstrous unit. But my reasoning for rating them high against the big nasties is that they WILL score damage in return and I feel that a 170 point unit that can inflict multiple points on the big nasty is a big deal. Here's an example with no cards being played and no help from blessings/curses - a Hydra rams into a unit of Umenzi Spears. As long as they succeed in their fear check (more likely than not) they will do 3 damage to the Hydra on the Charge. If the Spearmen have Faith Armor (duh!) the Hydra won't even put them into the yellow with average dice. Next turn, the Hydra will probably put the Spearmen into the yellow. But the Spearmen would likely inflict another 2 points themselves in return. Even if they route at this point, the Spearmen have inflicted 5 damage and given another unit an opportunity to flank the big guy. If the Spearmen don't route, the Hydra regenerates a point, grows a head and slaughters the guys. But the Spears will do at least another point on their way out. So 5 damage fora 170 point unit against a 600 point unit and an opportunity to get somebody else into attack position. I call that a win in my book
Berserkers should be **** overall IMO, but maybe its just because I like berserkers.

I like them at *** myself. IMO, of course.
Pros
1 - They do really good damage
2 - No routing or failed fear checks ever
Cons
1 - They die super quick as 1/2 defense sucks
2 - They are dumber than Paris Hilton
Didn't you say in another thread that you were going to update worthy to ***? I think they're worth it (no pun intended), but not as good value as berserkers IMO.
I did, and I upgraded them to ***. They are a good unit on their own, just an odd fit with the rest of your guys IMO.
And shamans should be ****, along with the High Priests. They're at least as good as High Priests, and more annoying due to the larger numbers. For 3 HPs you can get (almost) 4 Shamans.
Shamans are just as good of a buy for 100 points as the High Priests are for 130 points. But the extra inch in diameter for the leadership is really useful and the Death Curse can be incredibly powerful against hard-to-hit enemy units. And the extra courage is helpful if you're doing a ton of healing. So I have to rate the High Priests Higher.
I'm not too sure about the Chosen's **** rating, but if you like them this way, its ok.
Chosen are easily one of the 5 best infantry units in the game. They do consistent damage, last forever, and help inspire the troops. What's not to like?
The Giant War Elephant is only ** for tank? Is there a typo here? It should be at least ***. If not for the cost, I'll probably give them ****/***** for tank. I mean 7 (!!!) green health and 1/4 is more than enough to keep enemies in the 400 point range busy for quite a while. And also, add another category for them. "Attracting bowfire that does not much damage: *****". Most archers can't land a wound on these guys, despite the opponent's vain efforts. 5 power isn't going to hit much on 4 toughness. The Giant War Elephant is nice on the charge, but probably not that amazing. (maybe its just the annoying HE 3 skill) I rarely do more than 3 damage on the HE that I'm facing, whenever I bring along this fellow.
I'm trying to remember why I only gave them ** for tanking. I was probably thinking in terms of use. Surely the Elephant is an outstanding tank, but you really don't want to use him that way. You want him to charge into as many guys as you can to preach the gospel of death and flatness! So if I wanted to put a unit someplace simply for tanking, I'd use Worthy instead and save the 9 million points. But still, I'm going to upgrade them to ***. I mean, they are easily **** but I don't want to use them as a 523 point tank.
Note: The *s all mean rating. I hope you don't think I'm throwing swear words around everywhere.

* you and the * you rode in on

And if you feel like posting your own ratings here. go right ahead. I was the first to post them, but that doesn't make me the authority or anything. Just the quickest to jump on the boat! My opinion is not any greater than anybody else and there are plenty of good Umenzi players here. From their posts I feel Ajax and Kevin are good. Nikko is probably good at anything he plays.
EDIT: LazyJ posted his reply before mien went up (had to take breaks because I'm at work) and said pretty much what I said about the Elephant's tanking. Beat me to the punch!