BlastPoint's Credit Union Scorecard
FIRST UNITY
Charter #24859 · MS
2556 CUs in <100M nationally
41 in MS
FIRST UNITY has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.72% above tier average
- + Net Interest Margin 1.82% above tier average
- + Strong member growth: 5.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
- + Member Growth Rate: Top 5.7% in tier
- + Efficiency Ratio: Top 8.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 21.93% above tier average
- - Share Certificate Concentration (%): Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - AMR Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,264
+5.3% YoY+7.1% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$12.4M
+2.8% YoY+1.9% QoQ
|
$-17.8M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$9.3M
-7.2% YoY-10.6% QoQ
|
$-6.4M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$10.5M
+2.1% YoY-2.3% QoQ
|
$-15.2M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
2.3%
-24.7% YoY-18.4% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 3.5% in tier |
| NIM |
5.8%
-9.4% YoY+16.8% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 5.2% in tier |
| Efficiency Ratio |
56.3%
+33.3% YoY+9.7% QoQ
|
-26.2% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
23.5%
+48.2% YoY+325.6% QoQ
|
+21.9 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 1.0% in tier |
| Loan To Share |
88.9%
-9.1% YoY-8.5% QoQ
|
+28.3% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 11.0% in tier |
| AMR |
$4,652
-7.4% YoY-12.6% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.0% in tier |
| CD Concentration |
72.2%
+1.0% YoY+4.9% QoQ
|
+47.8% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
89
Return on Assets (ROA)
profitability
Value:
2.34%
Peer Median: -
#89 of 2556
Top 3.4% in <100M tier
116
Members Per Employee (MPE)
engagement
Value:
710.667
Peer Median: -
#116 of 2556
Top 4.5% in <100M tier
132
Net Interest Margin (NIM)
profitability
Value:
5.78%
Peer Median: -
#132 of 2556
Top 5.1% in <100M tier
147
Member Growth Rate
growth
Value:
5.28%
Peer Median: -
#147 of 2556
Top 5.7% in <100M tier
207
Efficiency Ratio
profitability
Value:
56.32%
Peer Median: -
#207 of 2556
Top 8.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
279
Loan-to-Share Ratio
balance_sheet
Value:
88.94%
Peer Median: -
#279 of 2556
Top 10.9% in <100M tier
494
Total Members
engagement
Value:
4,264
Peer Median: -
#494 of 2556
Top 19.3% in <100M tier
Top Weaknesses (6 metrics)
2546
Share Certificate Concentration (%)
balance_sheet
Value:
72.22%
Peer Median: -
#2546 of 2556
Bottom 0.4% in <100M tier
2531
Total Delinquency Rate (60+ days)
risk
Value:
23.48%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2352
Average Member Relationship (AMR)
engagement
Value:
$4,652
Peer Median: -
#2352 of 2556
Bottom 8.0% in <100M tier
2302
AMR Growth Rate
growth
Value:
-7.36%
Peer Median: -
#2302 of 2556
Bottom 10.0% in <100M tier
2168
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,190
Peer Median: -
#2168 of 2556
Bottom 15.2% in <100M tier
2167
Net Worth Ratio
risk
Value:
9.83%
Peer Median: -
#2167 of 2556
Bottom 15.3% in <100M tier