BlastPoint's Credit Union Scorecard
UNIVERSAL
Charter #785 · WV
UNIVERSAL has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.6% in tier
- + Total Assets: Top 2.0% in tier
- + Total Members: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 6.58% above tier (higher cost structure)
- - Member decline: -2.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,008
-2.8% YoY-0.3% QoQ
|
+3.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 9.1% in tier |
| Assets |
$94.6M
+1.7% YoY-0.9% QoQ
|
+$64.4M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Top 2.0% in tier |
| Loans |
$28.3M
-10.6% YoY-3.7% QoQ
|
+$12.6M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$83.1M
+1.6% YoY-1.1% QoQ
|
+$57.4M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Top 1.7% in tier |
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| ROA |
0.4%
+14.2% YoY-0.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
2.9%
+13.4% YoY+4.0% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
89.1%
-1.0% YoY+0.5% QoQ
|
+6.6% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.2%
-18.1% YoY-16.8% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
34.1%
-12.0% YoY-2.6% QoQ
|
-26.5% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.6% in tier |
| AMR |
$18,539
+1.1% YoY-1.5% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
11.0%
+40.2% YoY-4.1% QoQ
|
-13.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 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)