BlastPoint's Credit Union Scorecard

UNIFY FINANCIAL

Charter #15732 · CA

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 10 in CA

View Mid-Market leaderboard →

UNIFY FINANCIAL has 3 strengths but faces 14 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 42.5% in tier
+ ROA 0.53% above tier average
+ Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.8% in tier
- Institutional Decline: Bottom 2.0% in tier
- Stagnation Risk: Bottom 3.8% in tier
- Accelerating Exit Risk: Bottom 6.8% in tier
- Membership Headwinds: Bottom 10.0% in tier
- Shrinking Wallet Share: Bottom 12.2% in tier
- Indirect Auto Dependency: Bottom 30.4% in tier
- Efficiency ratio 4.86% above tier (higher cost structure)
- Delinquency rate 1.79% above tier average
- Member decline: -4.2% YoY
- Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- Loan Growth Rate: Bottom 3.9% in tier
- Net Charge-Off Rate: Bottom 3.9% in tier
- Member Growth Rate: Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	241,455 -4.2% YoY-1.2% QoQ	+3.0K	238,465 +0.6% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	60%
Assets	$3.4B -2.3% YoY-1.6% QoQ	$-543.1M	$4.0B -0.1% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	21%
Loans	$2.6B -13.3% YoY-4.0% QoQ	$-468.6M	$3.0B +3.3% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	20%
Deposits	$3.0B -0.9% YoY-2.0% QoQ	$-329.8M	$3.3B +1.1% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	29%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% +290.9% YoY-30.5% QoQ	+0.5%	0.7% +5.3% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	84%
NIM	3.3% +2.3% YoY+2.7% QoQ	+0.1%	3.2% +13.7% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	55%
Efficiency Ratio	76.1% +4.7% YoY-2.0% QoQ	+4.9%	71.3% -0.6% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	2.6% +77.0% YoY-10.6% QoQ	+1.8	0.8% +15.9% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Top 2.6% in tier
Loan To Share	84.9% -12.6% YoY-2.1% QoQ	-5.9%	90.8% +2.0% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	25%
AMR	$23,001 -2.9% YoY-1.8% QoQ	$-6K	$29,088 +0.1% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	17%
CD Concentration	29.0% -2.7% YoY-4.7% QoQ	+0.1%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	52%
Indirect Auto %	18.2% -0.1% YoY+2.0% QoQ	-0.6%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	55%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#41 of 95 • Top 42.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.28%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.95% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (7)

Credit Quality Pressure

risk

#7 of 217 • Bottom 0.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.15% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Institutional Decline

decline

#3 of 31 • Bottom 2.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $3.43B

(Tier: $2.17B, National: $547.69M)

but better than tier avg

Member Growth (YoY): -4.23%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -13.32%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY

Stagnation Risk

risk

#10 of 85 • Bottom 3.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.23%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -13.32%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.63%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#4 of 13 • Bottom 6.8% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -4.23%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -2.90%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

13 of 380 Mid-Market CUs have this signature | 73 nationally

↓ Shrinking -8 CUs YoY | New qualifier

Membership Headwinds

decline

#25 of 85 • Bottom 10.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.23%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#38 of 83 • Bottom 12.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.90%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#188 of 202 • Bottom 30.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -2.33%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 18.20%

(Tier: 18.77%, National: 7.90%)

but better than tier avg

Member Growth (YoY): -4.23%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 76 peers in tier

Top Strengths (2 metrics)

Return on Assets (ROA)

profitability

Value: 1.28%

Peer Avg: -

#12 of 76 Top 14.5% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 538.962

Peer Avg: -

#12 of 76 Top 14.5% in 3B-5B tier

Top Weaknesses (13 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 2.63%

Peer Avg: -

#75 of 76 Bottom 2.6% in 3B-5B tier

Loan Growth Rate

growth

Value: -13.32%

Peer Avg: -

#74 of 76 Bottom 3.9% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 1.63%

Peer Avg: -

#74 of 76 Bottom 3.9% in 3B-5B tier

Member Growth Rate

growth

Value: -4.23%

Peer Avg: -

#73 of 76 Bottom 5.3% in 3B-5B tier

Asset Growth Rate

growth

Value: -2.33%

Peer Avg: -

#67 of 76 Bottom 13.2% in 3B-5B tier

Deposit Growth Rate

growth

Value: -0.88%

Peer Avg: -

#67 of 76 Bottom 13.2% in 3B-5B tier

AMR Growth Rate

growth

Value: -2.90%

Peer Avg: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Net Worth Ratio

risk

Value: 8.98%

Peer Avg: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $23,001

Peer Avg: -

#63 of 76 Bottom 18.4% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,562

Peer Avg: -

#61 of 76 Bottom 21.1% in 3B-5B tier