BlastPoint's Credit Union Scorecard
UNIVERSAL 1
Charter #64970 · OH
UNIVERSAL 1 has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9.6% YoY
- + Total Members: Top 2.0% in tier
- + Member Growth Rate: Top 3.7% in tier
- + Total Deposits: Top 7.1% in tier
- + Total Assets: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Delinquency rate 0.65% above tier average
- - AMR Growth Rate: Bottom 1.6% in tier
- - Net Charge-Off Rate: Bottom 4.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
- Shares and deposits -0.7% year over year ($370M in shares and deposits).
- Membership: 37,976 members, +9.6% vs a year ago.
- Delinquency rate 1.53%.
- Return on assets 0.71%.
- Efficiency ratio 74.74% vs a 76.73% peer average.
- Loan-to-share ratio 57.98% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,976
+9.6% YoY-1.2% QoQ
|
+22.8K |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Top 2.1% in tier |
| Assets |
$424.7M
+0.2% YoY-1.0% QoQ
|
+$192.7M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Top 7.8% in tier |
| Loans |
$214.6M
-0.7% YoY+2.6% QoQ
|
+$68.3M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$370.1M
-0.7% YoY-1.4% QoQ
|
+$169.4M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Top 7.2% in tier |
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| ROA |
0.7%
-54.1% YoY+19.8% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.7%
-2.4% YoY+1.3% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
74.7%
+39.4% YoY+7.5% QoQ
|
-2.0% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
1.5%
-27.6% YoY+35.6% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
58.0%
-0.0% YoY+4.1% QoQ
|
-13.6% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$15,395
-9.4% YoY+1.2% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.4% in tier |
| CD Concentration |
20.3%
-2.0% YoY-0.2% QoQ
|
-4.3% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
27.0%
-35.9% YoY-14.8% QoQ
|
+13.3% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)