BlastPoint's Credit Union Scorecard

UNITUS COMMUNITY

Charter #63440 · OR

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 5 in OR

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UNITUS COMMUNITY faces 7 concerns requiring attention

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.7% in tier
- Credit Quality Pressure: Bottom 9.4% in tier
- Credit Risk Growth: Bottom 19.4% in tier
- Indirect Auto Dependency: Bottom 24.5% in tier
- Liquidity Strain: Bottom 32.4% in tier
- ROA 0.48% below tier average
- Efficiency ratio 12.16% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	106,458 +0.4% YoY+0.0% QoQ	+7.8K	98,678 -1.9% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	63%
Assets	$1.7B -0.5% YoY-0.0% QoQ	$-6.3M	$1.7B +0.5% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	59%
Loans	$1.4B +2.3% YoY+0.3% QoQ	+$142.9M	$1.2B +0.5% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	66%
Deposits	$1.5B +1.0% YoY-0.2% QoQ	+$59.6M	$1.5B +1.3% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	61%

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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	0.2% +259.6% YoY+9.4% QoQ	-0.5%	0.7% +13.4% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	Bottom 9.9% in tier
NIM	3.1% +12.3% YoY+3.0% QoQ	-0.2%	3.3% +9.3% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	36%
Efficiency Ratio	86.1% -5.0% YoY+0.1% QoQ	+12.2%	74.0% -10.9% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	Top 6.9% in tier
Delinquency Rate	0.5% +53.5% YoY+35.9% QoQ	-0.3	0.8% +6.1% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	34%
Loan To Share	90.9% +1.2% YoY+0.5% QoQ	+5.7%	85.2% -0.8% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	58%
AMR	$27,145 +1.2% YoY-0.0% QoQ	$-2K	$29,172 +2.8% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	48%
CD Concentration	23.2% +0.7% YoY-0.2% QoQ	-5.7%	29.0% +0.7% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	24%
Indirect Auto %	29.7% -0.8% YoY-2.3% QoQ	+10.9%	18.8% -3.0% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	74%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#13 of 96 • Bottom 3.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.13%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 0.43%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY

Credit Quality Pressure

risk

#73 of 217 • Bottom 9.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Credit Risk Growth

risk

#109 of 161 • Bottom 19.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.28%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#152 of 202 • Bottom 24.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.47%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 29.72%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.43%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk

#171 of 183 • Bottom 32.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.89%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 2.28%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | New qualifier

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 304 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

284

Efficiency Ratio

profitability

Value: 86.13%

Peer Avg: -

#284 of 304 Bottom 6.9% in 1B-3B tier

274

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Avg: -

#274 of 304 Bottom 10.2% in 1B-3B tier

256

Asset Growth Rate

growth

Value: -0.47%

Peer Avg: -

#256 of 304 Bottom 16.1% in 1B-3B tier

242

Deposit Growth Rate

growth

Value: 1.05%

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier

230

Indirect Auto Concentration (%)

balance_sheet

Value: 29.72%

Peer Avg: -

#230 of 304 Bottom 24.7% in 1B-3B tier