BlastPoint's Credit Union Scorecard
FIRST UNITY
Charter #24859 · 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
|
78% |
| 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
|
36% |
| 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
|
52% |
| 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
|
38% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
85% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
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)