BlastPoint's Credit Union Scorecard
UNITY CATHOLIC
Charter #4966 · OH
UNITY CATHOLIC has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.2% in tier
- + Total Assets: Top 0.3% in tier
- + Total Loans: Top 1.3% in tier
- + Total Members: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 1.56% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Net Worth Ratio: Bottom 8.3% in tier
- - Indirect Auto Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,141
+0.5% YoY-0.7% QoQ
|
+6.5K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 2.2% in tier |
| Assets |
$99.0M
+4.3% YoY+2.7% QoQ
|
+$68.9M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 0.4% in tier |
| Loans |
$63.3M
+5.7% YoY+0.1% QoQ
|
+$47.6M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 1.4% in tier |
| Deposits |
$89.6M
+3.9% YoY+3.0% QoQ
|
+$63.9M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 0.2% in tier |
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| ROA |
0.4%
+115.3% YoY-10.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.9%
+9.3% YoY+0.8% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
84.1%
-3.5% YoY-1.0% QoQ
|
+1.6% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.7%
+69.5% YoY+18.4% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
70.7%
+1.8% YoY-2.8% QoQ
|
+10.1% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$16,733
+4.1% YoY+2.5% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
31.3%
+7.7% YoY+1.4% QoQ
|
+6.9% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
8.7%
-22.7% YoY-7.6% QoQ
|
-5.0% | 13.8% | 11.2% | 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)