BlastPoint's Credit Union Scorecard
UNIVERSAL CITY STUDIOS
Charter #64893 · CA
UNIVERSAL CITY STUDIOS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 5.7% in tier
- + Fee Income Per Member: Top 6.3% in tier
- + Total Deposits: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.59% below tier average
- - Efficiency ratio 31.77% above tier (higher cost structure)
- - Member decline: -8.5% YoY
- - Member Growth Rate: Bottom 7.1% in tier
- - Net Worth Ratio: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,287
-8.5% YoY+0.2% QoQ
|
+2.7K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 12.1% in tier |
| Assets |
$71.2M
-3.8% YoY-2.7% QoQ
|
+$41.0M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 11.9% in tier |
| Loans |
$49.7M
-0.9% YoY-1.6% QoQ
|
+$33.9M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 5.8% in tier |
| Deposits |
$64.8M
-2.7% YoY-2.2% QoQ
|
+$39.2M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 9.5% in tier |
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| ROA |
-1.0%
+537.1% YoY+26.8% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.8% in tier |
| NIM |
3.5%
+2.4% YoY+2.8% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
114.3%
+12.1% YoY+3.5% QoQ
|
+31.8% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 5.1% in tier |
| Delinquency Rate |
1.4%
+39.5% YoY-11.3% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
76.6%
+1.8% YoY+0.7% QoQ
|
+16.0% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$21,665
+7.2% YoY-2.1% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
18.2%
+0.5% YoY+0.1% QoQ
|
-6.3% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)