BlastPoint's Credit Union Scorecard
UNIVERSAL 1
Charter #64970 · OH
1069 CUs in 100M-500M nationally
58 in OH
UNIVERSAL 1 has 8 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 5.3% in tier
- + ROA 0.20% above tier average
- + Net Interest Margin 0.24% above tier average
- + Total Members: Top 1.8% in tier
- + AMR Growth Rate: Top 2.0% in tier
- + Members Per Employee (MPE): Top 5.2% in tier
- + Total Deposits: Top 7.2% in tier
- + Total Assets: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 2.3% in tier
- - Membership Headwinds: Bottom 2.7% in tier
- - Institutional Decline: Bottom 10.0% in tier
- - Indirect Auto Dependency: Bottom 42.0% in tier
- - Delinquency rate 0.80% above tier average
- - Member decline: -16.2% YoY
- - Member Growth Rate: Bottom 1.4% in tier
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,908
-16.2% YoY-2.2% QoQ
|
+23.5K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 1.9% in tier |
| Assets |
$422.2M
+1.1% YoY+0.6% QoQ
|
+$190.3M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 7.5% in tier |
| Loans |
$212.5M
-3.2% YoY-1.4% QoQ
|
+$65.1M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$368.3M
-1.0% YoY+0.4% QoQ
|
+$167.5M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 7.3% in tier |
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Tier 1
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| ROA |
1.0%
+450.9% YoY-21.4% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
3.8%
-3.0% YoY+0.7% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
63.4%
-6.8% YoY+5.3% QoQ
|
-13.7% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate |
1.7%
-5.3% YoY-15.6% QoQ
|
+0.8 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 10.4% in tier |
| Loan To Share |
57.7%
-2.2% YoY-1.8% QoQ
|
-14.5% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$14,928
+17.2% YoY+1.9% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
20.7%
-4.5% YoY-0.6% QoQ
|
-3.7% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
34.6%
-27.0% YoY-8.9% QoQ
|
+20.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growth
#28 of 513 • Top 5.3% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
17.25%
(Tier:
4.17%, National:
4.00%)
513 of 1069 Mid-Small & Community CUs have this signature |
662 nationally
↑ Growing
+180 CUs YoY
|
New qualifier
Concerns (4)
Stagnation Risk
risk
#14 of 554 • Bottom 2.3% in tier
Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Why This Signature
Member Growth (YoY):
-16.23%
(Tier:
0.69%, National:
4.32%)
Loan Growth (YoY):
-3.17%
(Tier:
4.11%, National:
111.96%)
Delinquency Rate:
1.69%
(Tier:
0.89%, National:
1.28%)
554 of 1069 Mid-Small & Community CUs have this signature |
652 nationally
→ No prior data (554 CUs now)
|
New qualifier
Membership Headwinds
decline
#16 of 554 • Bottom 2.7% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-16.23%
(Tier:
0.69%, National:
4.32%)
554 of 1069 Mid-Small & Community CUs have this signature |
652 nationally
→ No prior data (554 CUs now)
|
New qualifier
Institutional Decline
decline
#25 of 240 • Bottom 10.0% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$422.18M
(Tier: $334.15M, National: $561.61M)
Member Growth (YoY):
-16.23%
(Tier:
0.69%, National:
4.32%)
Loan Growth (YoY):
-3.17%
(Tier:
4.11%, National:
111.96%)
240 of 1069 Mid-Small & Community CUs have this signature |
277 nationally
→ No prior data (240 CUs now)
|
New qualifier
Indirect Auto Dependency
risk
#213 of 506 • Bottom 42.0% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
1.06%
(Tier:
5.37%, National:
3.54%)
Indirect Auto %:
34.62%
(Tier:
13.79%, National:
7.78%)
Member Growth (YoY):
-16.23%
(Tier:
0.69%, National:
4.32%)
506 of 1069 Mid-Small & Community CUs have this signature |
745 nationally
↓ Shrinking
-35 CUs YoY
|
Rank worsening
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)
Top Strengths (9 metrics)
20
Total Members
engagement
Value:
38,908
Peer Median: -
#20 of 1069
Top 1.8% in 100M-500M tier
22
AMR Growth Rate
growth
Value:
17.25%
Peer Median: -
#22 of 1069
Top 2.0% in 100M-500M tier
57
Members Per Employee (MPE)
engagement
Value:
511.947
Peer Median: -
#57 of 1069
Top 5.2% in 100M-500M tier
78
Total Deposits
balance_sheet
Value:
$368.35M
Peer Median: -
#78 of 1069
Top 7.2% in 100M-500M tier
80
Total Assets
balance_sheet
Value:
$422.18M
Peer Median: -
#80 of 1069
Top 7.4% in 100M-500M tier
127
Efficiency Ratio
profitability
Value:
63.36%
Peer Median: -
#127 of 1069
Top 11.8% in 100M-500M tier
167
Fee Income Per Member
profitability
Value:
$241.58
Peer Median: -
#167 of 1069
Top 15.5% in 100M-500M tier
181
First Mortgage Concentration (%)
balance_sheet
Value:
13.41%
Peer Median: -
#181 of 1069
Top 16.8% in 100M-500M tier
226
Total Loans
balance_sheet
Value:
$212.47M
Peer Median: -
#226 of 1069
Top 21.0% in 100M-500M tier
Top Weaknesses (10 metrics)
1055
Member Growth Rate
growth
Value:
-16.23%
Peer Median: -
#1055 of 1069
Bottom 1.4% in 100M-500M tier
1049
Net Charge-Off Rate
risk
Value:
1.84%
Peer Median: -
#1049 of 1069
Bottom 2.0% in 100M-500M tier
980
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,461
Peer Median: -
#980 of 1069
Bottom 8.4% in 100M-500M tier
973
Average Member Relationship (AMR)
engagement
Value:
$14,928
Peer Median: -
#973 of 1069
Bottom 9.1% in 100M-500M tier
959
Total Delinquency Rate (60+ days)
risk
Value:
1.69%
Peer Median: -
#959 of 1069
Bottom 10.4% in 100M-500M tier
942
Indirect Auto Concentration (%)
balance_sheet
Value:
34.62%
Peer Median: -
#942 of 1069
Bottom 12.0% in 100M-500M tier
930
Deposit Growth Rate
growth
Value:
-0.96%
Peer Median: -
#930 of 1069
Bottom 13.1% in 100M-500M tier
884
Loan Growth Rate
growth
Value:
-3.17%
Peer Median: -
#884 of 1069
Bottom 17.4% in 100M-500M tier
863
Loan-to-Share Ratio
balance_sheet
Value:
57.68%
Peer Median: -
#863 of 1069
Bottom 19.4% in 100M-500M tier
845
Asset Growth Rate
growth
Value:
1.06%
Peer Median: -
#845 of 1069
Bottom 21.0% in 100M-500M tier