BlastPoint's Credit Union Scorecard
UNITY OF EATONVILLE
Charter #24935 · FL
UNITY OF EATONVILLE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 2.5% in tier
- + Fee Income Per Member: Top 6.4% in tier
- + Member Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.74% below tier average
- - Efficiency ratio 0.36% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.5% in tier
- - Indirect Auto Concentration (%): Bottom 2.9% in tier
- - Net Charge-Off Rate: Bottom 8.2% in tier
- - Members Per Employee (MPE): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
394
+3.4% YoY-2.5% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.8% in tier |
| Assets |
$3.2M
+2.1% YoY-1.1% QoQ
|
$-27.0M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.6% in tier |
| Loans |
$1.5M
+23.8% YoY+10.2% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.6% in tier |
| Deposits |
$3.0M
+1.5% YoY-0.0% QoQ
|
$-22.7M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
-1.1%
-7.1% YoY+611.0% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.4% in tier |
| NIM |
3.3%
-48.3% YoY-0.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
82.9%
-25.6% YoY+18.4% QoQ
|
+0.4% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.0%
+776.2% YoY+59.4% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
49.7%
+22.0% YoY+10.3% QoQ
|
-10.9% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$11,443
+4.4% YoY+5.8% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
19.0%
+14.3% YoY+3.5% QoQ
|
-5.5% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
39.2%
+28.9% YoY+14.7% QoQ
|
+25.4% | 13.8% | 10.8% | 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)