BlastPoint's Credit Union Scorecard
UNITUS COMMUNITY
Charter #63440 · OR
UNITUS COMMUNITY has 1 strength but faces 7 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 100.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 28.1% in tier
- - Indirect Auto Dependency: Bottom 76.9% in tier
- - Liquidity Strain: Bottom 92.7% in tier
- - Credit Quality Pressure: Bottom 92.9% in tier
- - Credit Risk Growth: Bottom 96.3% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 9.59% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
106,216
+0.8% YoY-0.2% QoQ
|
+8.8K |
97,431
-2.4% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$1.7B
+1.0% YoY+1.6% QoQ
|
+$17.7M |
$1.7B
+0.9% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$1.4B
+3.2% YoY+0.1% QoQ
|
+$142.8M |
$1.2B
+0.5% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$1.5B
+1.0% YoY+0.3% QoQ
|
+$59.0M |
$1.5B
+0.9% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.3%
+164.0% YoY+45.3% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.1%
+10.4% YoY+0.6% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
83.6%
-6.4% YoY-2.9% QoQ
|
+9.6% |
74.1%
-9.5% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
0.6%
+4.6% YoY+13.5% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
90.7%
+2.2% YoY-0.2% QoQ
|
+5.9% |
84.8%
-0.8% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$27,261
+1.3% YoY+0.4% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
23.5%
-1.5% YoY+1.0% QoQ
|
-5.6% | 29.0% | 16.6% | 19.8% | 26% |
| Indirect Auto % |
29.4%
-1.2% YoY-1.2% QoQ
|
+11.1% | 18.3% | 13.7% | 7.8% | 75% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)