BlastPoint's Credit Union Scorecard
UME
Charter #3945 · CA
UME has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 95.0% in tier
- - Credit Quality Pressure: Bottom 97.4% in tier
- - ROA 0.06% below tier average
- - Net Interest Margin (NIM): Bottom 4.4% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,446
+0.3% YoY-0.0% QoQ
|
+2.0K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$340.7M
-3.1% YoY+0.2% QoQ
|
+$108.9M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$166.2M
+3.5% YoY+0.3% QoQ
|
+$18.9M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$310.9M
+5.4% YoY-0.2% QoQ
|
+$110.1M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.7%
+368.4% YoY+35.8% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
2.4%
+26.9% YoY+3.5% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio |
71.8%
-19.4% YoY-8.4% QoQ
|
-5.2% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.2%
+5.7% YoY+29.4% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.4% in tier |
| Loan To Share |
53.5%
-1.8% YoY+0.5% QoQ
|
-18.8% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.4% in tier |
| AMR |
$27,350
+4.4% YoY+0.0% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
22.2%
-2.0% YoY-2.9% QoQ
|
-2.2% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
2.1%
+9.2% YoY+0.4% QoQ
|
-11.7% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)