FIRST UNITY
Charter #24859 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in MS
FIRST UNITY has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.19% above tier average
- + Net Interest Margin 1.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 5.6% in tier
- + Efficiency Ratio: Top 6.9% in tier
- + Members Per Employee (MPE): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.01% above tier average
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,983
0% YoY-7.7% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Top 21.6% in tier |
| Assets |
$12.1M
0% YoY-2.1% QoQ
|
$-17.7M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$10.4M
0% YoY+8.7% QoQ
|
$-5.3M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
52nd in tier |
| Deposits |
$10.7M
0% YoY+3.5% QoQ
|
$-14.7M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
38th in tier |
| ROA |
2.9%
-0.4% YoY-56.8% QoQ
|
+2.2% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 2.5% in tier |
| NIM |
4.9%
-0.4% YoY-50.8% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 15.4% in tier |
| Efficiency Ratio |
51.3%
0% YoY+35.3% QoQ
|
-30.1% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate |
5.5%
0% YoY-56.6% QoQ
|
+4.0 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 5.3% in tier |
| Loan To Share |
97.2%
0% YoY+5.1% QoQ
|
+35.9% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Top 5.8% in tier |
| AMR |
$5,319
0% YoY+14.9% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.2% in tier |
| CD Concentration |
68.9%
0% YoY+2.6% QoQ
|
+44.5% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
65
Return on Assets (ROA)
profitability
Value:
2.87%
Peer Avg: 0.68%
#65 of 2596
Top 2.5% in <100M tier
146
Loan-to-Share Ratio
balance_sheet
Value:
97.16%
Peer Avg: 61.23%
#146 of 2596
Top 5.6% in <100M tier
180
Efficiency Ratio
profitability
Value:
51.33%
Peer Avg: 81.39%
#180 of 2596
Top 6.9% in <100M tier
245
Members Per Employee (MPE)
engagement
Value:
569.000
Peer Avg: 365.701
#245 of 2596
Top 9.4% in <100M tier
400
Net Interest Margin (NIM)
profitability
Value:
4.94%
Peer Avg: 3.93%
#400 of 2596
Top 15.4% in <100M tier
560
Total Members
engagement
Value:
3,983
Peer Avg: 2,626
#560 of 2596
Top 21.5% in <100M tier
Top Weaknesses (5 metrics)
2579
Share Certificate Concentration (%)
balance_sheet
Value:
68.87%
Peer Avg: 15.37%
#2579 of 2596
Bottom 0.7% in <100M tier
2459
Total Delinquency Rate (60+ days)
risk
Value:
5.52%
Peer Avg: 1.51%
#2459 of 2596
Bottom 5.3% in <100M tier
2332
Average Member Relationship (AMR)
engagement
Value:
$5,319
Peer Avg: $14,627
#2332 of 2596
Bottom 10.2% in <100M tier
2093
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,621
Peer Avg: $5,488
#2093 of 2596
Bottom 19.4% in <100M tier
2067
Net Charge-Off Rate
risk
Value:
0.74%
Peer Avg: 0.57%
#2067 of 2596
Bottom 20.4% in <100M tier