BlastPoint's Credit Union Scorecard
UNILEVER
Charter #5736 · NJ
<100M
2675 CUs in <100M nationally
105 in NJ
UNILEVER has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.2% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Loan-to-Share Ratio: Top 7.5% in tier
- + Total Loans: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.47% below tier average
- - Efficiency ratio 69.89% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Net Interest Margin (NIM): Bottom 1.2% in tier
Core Metrics
As of 2025-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,416
0% YoY-2.2% QoQ
|
-1.2K |
2,634
-1.7% YoY
|
7,059
+2.1% YoY
|
32,082
+5.7% YoY
|
39% |
| Assets |
$49.0M
0% YoY+5.0% QoQ
|
+$19.2M |
$29.8M
+1.1% YoY
|
$114.5M
+3.0% YoY
|
$530.6M
+6.3% YoY
|
77% |
| Loans |
$41.0M
0% YoY+4.4% QoQ
|
+$25.4M |
$15.6M
-2.4% YoY
|
$68.8M
+2.3% YoY
|
$370.4M
+7.0% YoY
|
Top 9.6% in tier |
| Deposits |
$44.4M
0% YoY+4.2% QoQ
|
+$18.8M |
$25.6M
+0.4% YoY
|
$97.7M
+3.6% YoY
|
$453.0M
+8.2% YoY
|
78% |
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| ROA |
-0.8%
+2.2% YoY+13.1% QoQ
|
-1.5% |
0.7%
+2.7% YoY
|
0.4%
-67.3% YoY
|
0.6%
+4.8% YoY
|
Bottom 9.4% in tier |
| NIM |
1.2%
+2.2% YoY-8.1% QoQ
|
-2.7% |
3.9%
+4.7% YoY
|
3.7%
+8.6% YoY
|
3.6%
+5.4% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
155.0%
0% YoY+5.4% QoQ
|
+69.9% |
85.1%
-4.4% YoY
|
89.4%
-10.6% YoY
|
82.3%
-3.9% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.4 |
1.4%
+1.0% YoY
|
1.5%
-23.7% YoY
|
1.1%
+2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
92.5%
0% YoY+0.2% QoQ
|
+32.1% |
60.3%
-2.8% YoY
|
52.2%
-2.6% YoY
|
66.5%
-2.1% YoY
|
Top 7.7% in tier |
| AMR |
$60,295
0% YoY+6.6% QoQ
|
+$45K |
$15,144
+0.3% YoY
|
$16,450
+2.4% YoY
|
$19,598
+2.2% YoY
|
Top 0.3% in tier |
| CD Concentration |
55.8%
0% YoY-3.4% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2675
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2675
Top 0.1% in <100M tier
7
Loan-to-Member Ratio (LMR)
engagement
Value:
$28,972
Peer Median: -
#7 of 2675
Top 0.2% in <100M tier
16
Average Member Relationship (AMR)
engagement
Value:
$34,620
Peer Median: -
#16 of 2675
Top 0.6% in <100M tier
202
Loan-to-Share Ratio
balance_sheet
Value:
92.49%
Peer Median: -
#202 of 2675
Top 7.5% in <100M tier
256
Total Loans
balance_sheet
Value:
$41.02M
Peer Median: -
#256 of 2675
Top 9.5% in <100M tier
356
Net Charge-Off Rate
risk
Value:
-0.02%
Peer Median: -
#356 of 2675
Top 13.3% in <100M tier
588
Total Deposits
balance_sheet
Value:
$44.35M
Peer Median: -
#588 of 2675
Top 21.9% in <100M tier
623
Total Assets
balance_sheet
Value:
$49.02M
Peer Median: -
#623 of 2675
Top 23.3% in <100M tier
Top Weaknesses (9 metrics)
2675
AMR Growth Rate
growth
Value:
-
Peer Median: -
#2675 of 2675
Bottom 0.1% in <100M tier
2675
Member Growth Rate
growth
Value:
-
Peer Median: -
#2675 of 2675
Bottom 0.1% in <100M tier
2675
Asset Growth Rate
growth
Value:
-
Peer Median: -
#2675 of 2675
Bottom 0.1% in <100M tier
2675
Loan Growth Rate
growth
Value:
-
Peer Median: -
#2675 of 2675
Bottom 0.1% in <100M tier
2651
First Mortgage Concentration (%)
balance_sheet
Value:
81.55%
Peer Median: -
#2651 of 2675
Bottom 0.9% in <100M tier
2644
Net Interest Margin (NIM)
profitability
Value:
1.19%
Peer Median: -
#2644 of 2675
Bottom 1.2% in <100M tier
2629
Share Certificate Concentration (%)
balance_sheet
Value:
55.84%
Peer Median: -
#2629 of 2675
Bottom 1.8% in <100M tier
2423
Return on Assets (ROA)
profitability
Value:
-0.81%
Peer Median: -
#2423 of 2675
Bottom 9.5% in <100M tier
2361
Net Worth Ratio
risk
Value:
9.00%
Peer Median: -
#2361 of 2675
Bottom 11.8% in <100M tier