BlastPoint's Credit Union Scorecard
UNO
Charter #20842 · LA
UNO demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.10% above tier average
- + Net Interest Margin 0.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,286
+1.2% YoY-0.8% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$37.0M
+7.0% YoY+2.3% QoQ
|
+$6.8M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$25.0M
+9.8% YoY-0.8% QoQ
|
+$9.2M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$28.7M
+3.6% YoY+1.5% QoQ
|
+$3.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
2.7%
+51.7% YoY+234.9% QoQ
|
+2.1% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 2.2% in tier |
| NIM |
4.8%
-6.3% YoY-0.9% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
65.0%
+0.3% YoY-21.1% QoQ
|
-17.5% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.9%
-46.9% YoY+48.7% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
87.1%
+6.0% YoY-2.3% QoQ
|
+26.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 13.1% in tier |
| AMR |
$12,527
+5.1% YoY+1.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
9.5%
+77.0% YoY+3.5% QoQ
|
-15.0% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 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)