BlastPoint's Credit Union Scorecard
UNITY CATHOLIC
Charter #4966 · OH
UNITY CATHOLIC has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Total Deposits: Top 0.1% in tier
- + Total Assets: Top 0.3% in tier
- + Total Loans: Top 1.0% in tier
- + Total Members: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 9.3% in tier
- - Net Worth Ratio: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,125
-1.2% YoY-0.2% QoQ
|
+6.4K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Top 1.8% in tier |
| Assets |
$98.7M
+3.6% YoY-0.4% QoQ
|
+$68.5M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 0.3% in tier |
| Loans |
$62.2M
+2.4% YoY-1.7% QoQ
|
+$46.9M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Top 1.0% in tier |
| Deposits |
$89.4M
+3.4% YoY-0.3% QoQ
|
+$63.6M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Top 0.2% in tier |
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| ROA |
0.3%
-27.4% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
4.0%
+7.3% YoY+1.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
88.1%
-8.9% YoY+4.7% QoQ
|
-2.5% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
1.5%
+80.5% YoY-10.0% QoQ
|
+0.0 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
69.6%
-1.0% YoY-1.5% QoQ
|
+11.1% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$16,615
+4.2% YoY-0.7% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
30.7%
+9.0% YoY-1.9% QoQ
|
+6.5% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
8.6%
-17.9% YoY-1.3% QoQ
|
-5.2% | 13.8% | 11.4% | 7.7% | 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)