UNITY OF EATONVILLE
Charter #24935 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
UNITY OF EATONVILLE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 14.1% YoY
- + Fee Income Per Member: Top 2.5% in tier
- + Member Growth Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Net Worth Ratio: Bottom 0.7% in tier
- - Indirect Auto Concentration (%): Bottom 3.5% in tier
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - AMR Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
404
+14.1% YoY+3.3% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Bottom 11.2% in tier |
| Assets |
$3.2M
+3.4% YoY-0.6% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.7% in tier |
| Loans |
$1.4M
+6.8% YoY+12.1% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.7% in tier |
| Deposits |
$3.0M
+2.4% YoY+0.0% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 15.8% in tier |
| ROA |
-0.2%
-35.3% YoY-118.4% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.1% in tier |
| NIM |
3.4%
-13.7% YoY-5.2% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
30th in tier |
| Efficiency Ratio |
70.0%
-31.6% YoY+11.4% QoQ
|
-11.4% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
31st in tier |
| Delinquency Rate |
0.7%
-19.1% YoY-27.3% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
49th in tier |
| Loan To Share |
45.1%
+4.4% YoY+12.1% QoQ
|
-16.2% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
25th in tier |
| AMR |
$10,819
-9.1% YoY+0.2% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
33rd in tier |
| CD Concentration |
18.3%
+6.9% YoY+1.3% QoQ
|
-6.1% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
34.2%
-19.4% QoQ
|
+20.2% |
14.0%
-5.8% YoY
|
10.9%
-1.4% 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 (3 metrics)
67
Fee Income Per Member
profitability
Value:
$283.93
Peer Avg: $182.96
#67 of 2596
Top 2.5% in <100M tier
68
Member Growth Rate
growth
Value:
14.12%
Peer Avg: 14.92%
#68 of 2596
Top 2.6% in <100M tier
428
Loan Growth Rate
growth
Value:
6.84%
Peer Avg: 59.01%
#428 of 2596
Top 16.4% in <100M tier
Top Weaknesses (11 metrics)
2578
Net Worth Ratio
risk
Value:
5.55%
Peer Avg: 16.43%
#2578 of 2596
Bottom 0.7% in <100M tier
2506
Indirect Auto Concentration (%)
balance_sheet
Value:
34.16%
Peer Avg: 2.84%
#2506 of 2596
Bottom 3.5% in <100M tier
2471
Net Charge-Off Rate
risk
Value:
2.25%
Peer Avg: 0.57%
#2471 of 2596
Bottom 4.9% in <100M tier
2372
AMR Growth Rate
growth
Value:
-9.12%
Peer Avg: 4.67%
#2372 of 2596
Bottom 8.7% in <100M tier
2304
Total Members
engagement
Value:
404
Peer Avg: 2,626
#2304 of 2596
Bottom 11.3% in <100M tier
2256
Return on Assets (ROA)
profitability
Value:
-0.16%
Peer Avg: 0.68%
#2256 of 2596
Bottom 13.1% in <100M tier
2241
Total Assets
balance_sheet
Value:
$3.19M
Peer Avg: $29.86M
#2241 of 2596
Bottom 13.7% in <100M tier
2240
Total Loans
balance_sheet
Value:
$1.36M
Peer Avg: $15.77M
#2240 of 2596
Bottom 13.8% in <100M tier
2187
Total Deposits
balance_sheet
Value:
$3.01M
Peer Avg: $25.45M
#2187 of 2596
Bottom 15.8% in <100M tier
2180
Members Per Employee (MPE)
engagement
Value:
202.000
Peer Avg: 365.701
#2180 of 2596
Bottom 16.1% in <100M tier