BlastPoint's Credit Union Scorecard
UNIFY FINANCIAL
Charter #15732 · CA
UNIFY FINANCIAL has 8 strengths but faces 10 concerns
How does the industry compare?
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.6% in tier
- + Net Interest Margin 0.63% above tier average
- + Strong member growth: 147.6% YoY
- + Member Growth Rate: Top 0.0% in tier
- + Asset Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + Total Members: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 11.1% in tier
- - Shrinking Wallet Share: Bottom 16.7% in tier
- - Indirect Auto Dependency: Bottom 67.7% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 13.79% above tier (higher cost structure)
- - Delinquency rate 0.91% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 9.1% in tier
- - Net Worth Ratio: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
617,156
+147.6% YoY+155.6% QoQ
|
+171.2K |
445,922
+0.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 12.1% in tier |
| Assets |
$8.7B
+145.2% YoY+153.1% QoQ
|
$-256.4M |
$8.9B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$6.3B
+118.5% YoY+147.9% QoQ
|
+$64.2M |
$6.3B
+0.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$7.8B
+155.4% YoY+160.1% QoQ
|
+$293.5M |
$7.5B
+1.2% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.8%
+146.9% YoY-38.8% QoQ
|
-0.2% |
1.0%
+27.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.6%
+10.2% YoY+8.1% QoQ
|
+0.6% |
3.0%
+12.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
78.6%
+6.6% YoY+3.2% QoQ
|
+13.8% |
64.8%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
1.6%
+13.0% YoY-38.0% QoQ
|
+0.9 |
0.7%
+5.5% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 3.0% in tier |
| Loan To Share |
80.9%
-14.4% YoY-4.7% QoQ
|
-2.5% |
83.4%
-0.6% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$22,903
-4.1% YoY-0.4% QoQ
|
$-11K |
$34,266
-1.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
22.0%
-28.0% YoY-24.1% QoQ
|
-7.1% | 29.1% | 21.7% | 19.8% | 22% |
| Indirect Auto % |
17.3%
-6.4% YoY-4.9% QoQ
|
+0.2% | 17.1% | 9.2% | 7.8% | 52% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)