BlastPoint's Credit Union Scorecard
UNIVERSAL 1
Charter #64970 · OH
1077 CUs in 100M-500M nationally
58 in OH
UNIVERSAL 1 has 11 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 8.3% in tier
- + Profitability Leader: Top 77.3% in tier
- + ROA 0.44% above tier average
- + Net Interest Margin 0.24% above tier average
- + Total Members: Top 1.5% in tier
- + AMR Growth Rate: Top 2.9% in tier
- + Members Per Employee (MPE): Top 3.3% in tier
- + Total Deposits: Top 7.2% in tier
- + Total Assets: Top 7.6% in tier
- + Fee Income Per Member: Top 7.8% in tier
- + Efficiency Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 0.8% in tier
- - Stagnation Risk: Bottom 2.5% in tier
- - Institutional Decline: Bottom 5.2% in tier
- - Indirect Auto Dependency: Bottom 9.5% in tier
- - Delinquency rate 1.15% above tier average
- - Member decline: -14.9% YoY
- - Member Growth Rate: Bottom 1.5% in tier
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
- - Indirect Auto Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,768
-14.9% YoY+14.7% QoQ
|
+24.1K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 1.6% in tier |
| Assets |
$419.5M
+0.8% YoY-1.1% QoQ
|
+$188.2M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 7.7% in tier |
| Loans |
$215.6M
-2.0% YoY-0.2% QoQ
|
+$67.8M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$367.0M
-0.8% YoY-1.5% QoQ
|
+$166.7M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Top 7.3% in tier |
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Tier 1
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| ROA |
1.2%
+542.1% YoY-20.5% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
79% |
| NIM |
3.8%
-4.4% YoY+1.0% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
60.1%
-12.3% YoY+12.2% QoQ
|
-17.1% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
2.0%
-8.9% YoY-5.1% QoQ
|
+1.1 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 6.7% in tier |
| Loan To Share |
58.7%
-1.2% YoY+1.3% QoQ
|
-14.0% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$14,648
+16.1% YoY-13.8% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
20.8%
-3.2% YoY+0.7% QoQ
|
-3.6% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
38.0%
-22.4% YoY-9.6% QoQ
|
+24.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growth
#41 of 481 • Top 8.3% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
16.11%
(Tier:
3.68%, National:
4.19%)
481 of 1077 Community CUs have this signature |
620 nationally
↑ Growing
+201 CUs YoY
|
New qualifier
Profitability Leader
growth
#263 of 340 • Top 77.3% in tier
Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Why This Signature
Return on Assets:
1.23%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
1.04% points
(Tier:
0.11% points, National:
0.05% points)
340 of 1077 Community CUs have this signature |
457 nationally
→ Stable (341→340 CUs)
-1 CUs YoY
|
New qualifier
Concerns (4)
Membership Headwinds
decline
#14 of 550 • Bottom 0.8% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-14.91%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature |
648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Stagnation Risk
risk
#42 of 550 • Bottom 2.5% in tier
Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Why This Signature
Member Growth (YoY):
-14.91%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-1.97%
(Tier:
3.65%, National:
36.38%)
Delinquency Rate:
2.01%
(Tier:
0.85%, National:
1.23%)
550 of 1077 Community CUs have this signature |
648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#42 of 256 • Bottom 5.2% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$419.49M
(Tier: $331.87M, National: $547.69M)
Member Growth (YoY):
-14.91%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-1.97%
(Tier:
3.65%, National:
36.38%)
256 of 1077 Community CUs have this signature |
293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Indirect Auto Dependency
risk
#153 of 525 • Bottom 9.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
0.78%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
38.02%
(Tier:
13.97%, National:
7.90%)
Member Growth (YoY):
-14.91%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature |
768 nationally
↓ Shrinking
-18 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 (10 metrics)
17
Total Members
engagement
Value:
39,768
Peer Avg: -
#17 of 1077
Top 1.5% in 100M-500M tier
32
AMR Growth Rate
growth
Value:
16.11%
Peer Avg: -
#32 of 1077
Top 2.9% in 100M-500M tier
37
Members Per Employee (MPE)
engagement
Value:
544.767
Peer Avg: -
#37 of 1077
Top 3.3% in 100M-500M tier
79
Total Deposits
balance_sheet
Value:
$366.97M
Peer Avg: -
#79 of 1077
Top 7.2% in 100M-500M tier
83
Total Assets
balance_sheet
Value:
$419.49M
Peer Avg: -
#83 of 1077
Top 7.6% in 100M-500M tier
85
Fee Income Per Member
profitability
Value:
$280.69
Peer Avg: -
#85 of 1077
Top 7.8% in 100M-500M tier
93
Efficiency Ratio
profitability
Value:
60.14%
Peer Avg: -
#93 of 1077
Top 8.5% in 100M-500M tier
179
First Mortgage Concentration (%)
balance_sheet
Value:
13.10%
Peer Avg: -
#179 of 1077
Top 16.5% in 100M-500M tier
222
Return on Assets (ROA)
profitability
Value:
1.23%
Peer Avg: -
#222 of 1077
Top 20.5% in 100M-500M tier
231
Total Loans
balance_sheet
Value:
$215.56M
Peer Avg: -
#231 of 1077
Top 21.4% in 100M-500M tier
Top Weaknesses (9 metrics)
1062
Member Growth Rate
growth
Value:
-14.91%
Peer Avg: -
#1062 of 1077
Bottom 1.5% in 100M-500M tier
1054
Net Charge-Off Rate
risk
Value:
1.74%
Peer Avg: -
#1054 of 1077
Bottom 2.2% in 100M-500M tier
1006
Total Delinquency Rate (60+ days)
risk
Value:
2.01%
Peer Avg: -
#1006 of 1077
Bottom 6.7% in 100M-500M tier
987
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,421
Peer Avg: -
#987 of 1077
Bottom 8.4% in 100M-500M tier
985
Average Member Relationship (AMR)
engagement
Value:
$14,648
Peer Avg: -
#985 of 1077
Bottom 8.6% in 100M-500M tier
972
Indirect Auto Concentration (%)
balance_sheet
Value:
38.02%
Peer Avg: -
#972 of 1077
Bottom 9.8% in 100M-500M tier
929
Deposit Growth Rate
growth
Value:
-0.76%
Peer Avg: -
#929 of 1077
Bottom 13.8% in 100M-500M tier
862
Loan-to-Share Ratio
balance_sheet
Value:
58.74%
Peer Avg: -
#862 of 1077
Bottom 20.1% in 100M-500M tier
821
Asset Growth Rate
growth
Value:
0.78%
Peer Avg: -
#821 of 1077
Bottom 23.9% in 100M-500M tier