BlastPoint's Credit Union Scorecard
FIRST UNITY
Charter #24859 · MS
<100M
2508 CUs in <100M nationally
42 in MS
FIRST UNITY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.74% above tier average
- + Net Interest Margin 2.75% above tier average
- + Strong member growth: 5.0% YoY
- + Member Growth Rate: Top 6.8% in tier
- + Members Per Employee (MPE): Top 6.8% in tier
- + Loan-to-Share Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 18.97% above tier average
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- - AMR Growth Rate: Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,322
+5.0% YoY+1.4% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$11.7M
-3.2% YoY-5.4% QoQ
|
$-18.5M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$8.9M
-7.1% YoY-4.7% QoQ
|
$-6.4M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$9.7M
-5.5% YoY-7.5% QoQ
|
$-16.1M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
1.9%
-49.4% YoY-19.6% QoQ
|
+1.7% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Top 8.0% in tier |
| NIM |
6.8%
+5.8% YoY+16.9% QoQ
|
+2.7% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
60.9%
+28.1% YoY+8.1% QoQ
|
-29.7% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Top 13.0% in tier |
| Delinquency Rate |
20.5%
+60.6% YoY-12.8% QoQ
|
+19.0 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.1% in tier |
| Loan To Share |
91.6%
-1.7% YoY+3.0% QoQ
|
+33.1% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 7.1% in tier |
| AMR |
$4,305
-10.7% YoY-7.5% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.9% in tier |
| CD Concentration |
68.5%
+2.6% YoY-5.1% QoQ
|
+44.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
41
Net Interest Margin (NIM)
profitability
Value:
6.75%
Peer Median: 3.83%
#41 of 2508
Top 1.6% in <100M tier
172
Member Growth Rate
growth
Value:
5.03%
Peer Median: -1.37%
#172 of 2508
Top 6.8% in <100M tier
172
Members Per Employee (MPE)
engagement
Value:
617.429
Peer Median: 333.750
#172 of 2508
Top 6.8% in <100M tier
176
Loan-to-Share Ratio
balance_sheet
Value:
91.58%
Peer Median: 58.72%
#176 of 2508
Top 7.0% in <100M tier
201
Return on Assets (ROA)
profitability
Value:
1.88%
Peer Median: 0.61%
#201 of 2508
Top 8.0% in <100M tier
326
Efficiency Ratio
profitability
Value:
60.89%
Peer Median: 81.45%
#326 of 2508
Top 13.0% in <100M tier
461
Total Members
engagement
Value:
4,322
Peer Median: 1,918
#461 of 2508
Top 18.3% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (7 metrics)
2492
Share Certificate Concentration (%)
balance_sheet
Value:
68.54%
Peer Median: 12.45%
#2492 of 2508
Bottom 0.7% in <100M tier
2481
Total Delinquency Rate (60+ days)
risk
Value:
20.48%
Peer Median: 0.65%
#2481 of 2508
Bottom 1.1% in <100M tier
2344
AMR Growth Rate
growth
Value:
-10.73%
Peer Median: 1.27%
#2344 of 2508
Bottom 6.6% in <100M tier
2336
Average Member Relationship (AMR)
engagement
Value:
$4,305
Peer Median: $13,926
#2336 of 2508
Bottom 6.9% in <100M tier
2152
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,058
Peer Median: $4,923
#2152 of 2508
Bottom 14.2% in <100M tier
2101
Deposit Growth Rate
growth
Value:
-5.45%
Peer Median: 0.66%
#2101 of 2508
Bottom 16.3% in <100M tier
1959
Asset Growth Rate
growth
Value:
-3.15%
Peer Median: 1.30%
#1959 of 2508
Bottom 21.9% in <100M tier