BlastPoint's Credit Union Scorecard

UNITY OF EATONVILLE

Charter #24935 · FL

<100M

2508 CUs in <100M nationally 35 in FL

UNITY OF EATONVILLE has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 10.5% YoY
+ Member Growth Rate: Top 3.3% in tier

Key Concerns

Areas that may need attention

- ROA 1.99% below tier average
- Efficiency ratio 93.16% above tier (higher cost structure)
- Net Worth Ratio: Bottom 0.4% in tier
- Indirect Auto Concentration (%): Bottom 2.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	409 +10.5% YoY+3.8% QoQ	-2.3K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Bottom 11.2% in tier
Assets	$3.2M +0.4% YoY+0.3% QoQ	$-27.0M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	Bottom 13.4% in tier
Loans	$1.4M +4.1% YoY-8.3% QoQ	$-13.9M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Bottom 14.1% in tier
Deposits	$3.0M +2.9% YoY+0.8% QoQ	$-22.7M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.8% -155.8% YoY+65.2% QoQ	-2.0%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	Bottom 5.1% in tier
NIM	3.5% +3.0% YoY+5.1% QoQ	-0.5%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	183.8% +341.9% YoY+121.7% QoQ	+93.2%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	Bottom 2.0% in tier
Delinquency Rate	0.9% -11.8% YoY-12.1% QoQ	-0.6	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	62%
Loan To Share	45.2% +1.2% YoY-9.0% QoQ	-13.3%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	29%
AMR	$10,773 -6.6% YoY-5.8% QoQ	$-4K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	32%
CD Concentration	18.7% +10.2% YoY-1.5% QoQ	-5.6%	24.3%	24.4%	19.8%	50%
Indirect Auto %	39.9% -7.5% YoY+1.7% QoQ	+26.1%	13.8%	10.8%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

Member Growth Rate

growth

Value: 10.54%

Peer Median: -1.37%

#83 of 2508 Top 3.3% in <100M tier

588

Loan Growth Rate

growth

Value: 4.10%

Peer Median: -2.36%

#588 of 2508 Top 23.4% in <100M tier

Top Weaknesses (12 metrics)

2498

Net Worth Ratio

risk

Value: 4.13%

Peer Median: 14.28%

#2498 of 2508 Bottom 0.4% in <100M tier

2459

Efficiency Ratio

profitability

Value: 183.79%

Peer Median: 81.45%

#2459 of 2508 Bottom 2.0% in <100M tier

2446

Indirect Auto Concentration (%)

balance_sheet

Value: 39.85%

Peer Median: 0.00%

#2446 of 2508 Bottom 2.5% in <100M tier

2380

Return on Assets (ROA)

profitability

Value: -1.84%

Peer Median: 0.61%

#2380 of 2508 Bottom 5.1% in <100M tier

2244

Net Charge-Off Rate

risk

Value: 1.29%

Peer Median: 0.07%

#2244 of 2508 Bottom 10.6% in <100M tier

2226

Total Members

engagement

Value: 409

Peer Median: 1,918

#2226 of 2508 Bottom 11.3% in <100M tier

2192

AMR Growth Rate

growth

Value: -6.57%

Peer Median: 1.27%

#2192 of 2508 Bottom 12.6% in <100M tier

2173

Total Assets

balance_sheet

Value: $3.17M

Peer Median: $21.86M

#2173 of 2508 Bottom 13.4% in <100M tier

2155

Total Loans

balance_sheet

Value: $1.37M

Peer Median: $9.48M

#2155 of 2508 Bottom 14.1% in <100M tier

2118

Total Deposits

balance_sheet

Value: $3.03M

Peer Median: $18.77M

#2118 of 2508 Bottom 15.6% in <100M tier