UNITUS COMMUNITY
Charter #63440 | OR
UNITUS COMMUNITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 28.2% in tier
- + Emerging Performer: Top 30.4% in tier
- + Wallet Share Momentum: Top 33.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.7% in tier
- - Credit Quality Pressure: Bottom 9.4% in tier
- - Growth-at-Risk: 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
|
63rd in tier |
| 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
|
59th in tier |
| 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
|
66th in tier |
| 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
|
61st in tier |
| 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
|
36th in tier |
| 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
|
34th in tier |
| 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
|
58th in tier |
| 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
|
48th in tier |
| CD Concentration |
23.2%
+0.7% YoY-0.2% QoQ
|
-5.8% |
29.0%
+0.8% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
Bottom 24.0% in tier |
| Indirect Auto % |
29.7%
-0.8% YoY-2.3% QoQ
|
+10.9% |
18.8%
-2.8% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
74th in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)