BlastPoint's Credit Union Scorecard
UNITUS COMMUNITY
Charter #63440 · OR
UNITUS COMMUNITY faces 6 concerns requiring attention
How does the industry compare?
What's your peer group doing?
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 6.0% in tier
- - Credit Quality Pressure: Bottom 47.6% in tier
- - Indirect Auto Dependency: Bottom 60.0% in tier
- - Credit Risk Growth: Bottom 77.6% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 13.99% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
106,662
+0.8% YoY+0.4% QoQ
|
+10.6K |
96,048
-2.7% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$1.8B
+4.1% YoY+3.8% QoQ
|
+$87.5M |
$1.7B
+0.4% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$1.4B
+0.8% YoY-1.7% QoQ
|
+$140.5M |
$1.2B
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$1.6B
+4.1% YoY+5.7% QoQ
|
+$139.7M |
$1.5B
+0.5% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.1%
+1.6% YoY-59.6% QoQ
|
-0.6% |
0.7%
+27.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.5% in tier |
| NIM |
3.0%
+2.3% YoY-4.4% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
88.6%
+0.0% YoY+5.9% QoQ
|
+14.0% |
74.6%
-3.0% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
0.4%
+11.9% YoY-33.0% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
84.4%
-3.1% YoY-7.0% QoQ
|
+1.2% |
83.2%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$27,746
+1.7% YoY+1.8% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
24.8%
+5.2% YoY+5.7% QoQ
|
-4.0% | 28.8% | 16.7% | 19.8% | 32% |
| Indirect Auto % |
28.1%
-7.1% YoY-4.4% QoQ
|
+10.0% | 18.1% | 13.7% | 7.7% | 74% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
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)