UNIFY FINANCIAL

Charter #15732 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

UNIFY FINANCIAL has 2 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + 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
 60th in tier
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
 Bottom 21.1% in tier
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
 Bottom 19.7% in tier
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
 29th in tier
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
 Top 15.8% in tier
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
 55th in tier
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
 Top 23.7% in tier
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
 Bottom 25.0% in tier
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
 Bottom 17.1% in tier
CD Concentration 29.0%
-2.7% YoY-4.7% QoQ
 +0.1% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 52nd in tier
Indirect Auto % 18.2%
-0.1% YoY+2.0% QoQ
 -0.6% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 55th in tier

Signature Analysis

Strengths (0)

No strengths identified

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: $3.97B, National: $547.69M)
worse 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.28%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -4.23%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.0K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 29.05%
(Tier: 28.98%, National: 19.60%)
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: 18.80%, 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)

Comparing against 76 peers in tier

Top Strengths (2 metrics)

12
Return on Assets (ROA)
profitability
Value: 1.28%
Peer Avg: 0.75%
#12 of 76 Top 14.5% in 3B-5B tier
12
Members Per Employee (MPE)
engagement
Value: 538.962
Peer Avg: 433.941
#12 of 76 Top 14.5% in 3B-5B tier

Top Weaknesses (13 metrics)

75
Total Delinquency Rate (60+ days)
risk
Value: 2.63%
Peer Avg: 0.84%
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Loan Growth Rate
growth
Value: -13.32%
Peer Avg: 9.56%
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Net Charge-Off Rate
risk
Value: 1.63%
Peer Avg: 0.64%
#74 of 76 Bottom 3.9% in 3B-5B tier
73
Member Growth Rate
growth
Value: -4.23%
Peer Avg: 7.02%
#73 of 76 Bottom 5.3% in 3B-5B tier
67
Asset Growth Rate
growth
Value: -2.33%
Peer Avg: 7.42%
#67 of 76 Bottom 13.2% in 3B-5B tier
67
Deposit Growth Rate
growth
Value: -0.88%
Peer Avg: 8.84%
#67 of 76 Bottom 13.2% in 3B-5B tier
65
AMR Growth Rate
growth
Value: -2.90%
Peer Avg: 2.07%
#65 of 76 Bottom 15.8% in 3B-5B tier
65
Net Worth Ratio
risk
Value: 8.98%
Peer Avg: 10.75%
#65 of 76 Bottom 15.8% in 3B-5B tier
63
Average Member Relationship (AMR)
engagement
Value: $23,001
Peer Avg: $29,088
#63 of 76 Bottom 18.4% in 3B-5B tier
61
Loan-to-Member Ratio (LMR)
engagement
Value: $10,562
Peer Avg: $13,761
#61 of 76 Bottom 21.1% in 3B-5B tier