BlastPoint's Credit Union Scorecard

UNIVERSAL 1

Charter #64970 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

UNIVERSAL 1 has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 10.4% YoY
+ Total Members: Top 1.5% in tier
+ Member Growth Rate: Top 4.1% in tier
+ Total Deposits: Top 6.4% in tier
+ Total Assets: Top 6.9% in tier
+ Members Per Employee (MPE): Top 6.9% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.14% below tier average
- Delinquency rate 0.36% above tier average
- AMR Growth Rate: Bottom 1.7% in tier
- Net Charge-Off Rate: Bottom 3.6% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	38,419 +10.4% YoY-1.3% QoQ	+23.3K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 1.6% in tier
Assets	$429.1M +1.1% YoY+1.6% QoQ	+$197.4M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Top 7.0% in tier
Loans	$209.0M -3.0% YoY-1.6% QoQ	+$64.9M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	79%
Deposits	$375.3M +0.3% YoY+1.9% QoQ	+$174.1M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Top 6.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -77.9% YoY-38.6% QoQ	-0.1%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	42%
NIM	3.6% -2.9% YoY-5.4% QoQ	+0.0%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	52%
Efficiency Ratio	69.6% +60.1% YoY+9.8% QoQ	-8.5%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	1.1% -35.4% YoY-33.3% QoQ	+0.4	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	81%
Loan To Share	55.7% -3.3% YoY-3.4% QoQ	-14.7%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	19%
AMR	$15,209 -10.2% YoY+1.9% QoQ	$-10K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	Bottom 9.7% in tier
CD Concentration	20.3% -1.4% YoY-1.9% QoQ	-3.9%	24.3%	19.4%	19.8%	50%
Indirect Auto %	31.7% -30.4% YoY-8.6% QoQ	+17.9%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Cost Spiral

risk

#2 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 26.10% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 38.37%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#19 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -10.21%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#434 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.14%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 31.66%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 10.36%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 38,419

Peer Median: 13,200

#17 of 1070 Top 1.5% in 100M-500M tier

Member Growth Rate

growth

Value: 10.36%

Peer Median: -0.06%

#45 of 1070 Top 4.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $375.28M

Peer Median: $171.29M

#69 of 1070 Top 6.4% in 100M-500M tier

Total Assets

balance_sheet

Value: $429.09M

Peer Median: $196.57M

#75 of 1070 Top 6.9% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 486.316

Peer Median: 309.176

#75 of 1070 Top 6.9% in 100M-500M tier

201

First Mortgage Concentration (%)

balance_sheet

Value: 14.11%

Peer Median: 29.47%

#201 of 1070 Top 18.7% in 100M-500M tier

227

Total Loans

balance_sheet

Value: $209.04M

Peer Median: $121.41M

#227 of 1070 Top 21.1% in 100M-500M tier

252

Efficiency Ratio

profitability

Value: 69.56%

Peer Median: 78.68%

#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1053

AMR Growth Rate

growth

Value: -10.21%

Peer Median: 3.46%

#1053 of 1070 Bottom 1.7% in 100M-500M tier

1033

Net Charge-Off Rate

risk

Value: 1.62%

Peer Median: 0.35%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

975

Loan-to-Member Ratio (LMR)

engagement

Value: $5,441

Peer Median: $9,356

#975 of 1070 Bottom 9.0% in 100M-500M tier

966

Average Member Relationship (AMR)

engagement

Value: $15,209

Peer Median: $22,931

#966 of 1070 Bottom 9.8% in 100M-500M tier

915

Indirect Auto Concentration (%)

balance_sheet

Value: 31.66%

Peer Median: 6.61%

#915 of 1070 Bottom 14.6% in 100M-500M tier

888

Loan Growth Rate

growth

Value: -3.03%

Peer Median: 2.93%

#888 of 1070 Bottom 17.1% in 100M-500M tier

868

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: 0.61%

#868 of 1070 Bottom 19.0% in 100M-500M tier

864

Loan-to-Share Ratio

balance_sheet

Value: 55.70%

Peer Median: 71.88%

#864 of 1070 Bottom 19.3% in 100M-500M tier

856

Fee Income Per Member

profitability

Value: $101.46

Peer Median: $154.95

#856 of 1070 Bottom 20.1% in 100M-500M tier

834

Deposit Growth Rate

growth

Value: 0.33%

Peer Median: 3.30%

#834 of 1070 Bottom 22.1% in 100M-500M tier