BlastPoint's Credit Union Scorecard
UNIFY FINANCIAL
Charter #15732 · CA
UNIFY FINANCIAL has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + 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 1.5% in tier
- - Indirect Auto Dependency: Bottom 1.5% in tier
- - Credit Quality Pressure: Bottom 7.5% in tier
- - Shrinking Wallet Share: Bottom 97.0% 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
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
|
Bottom 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
|
Bottom 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 (0)
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)