BlastPoint's Credit Union Scorecard
UNITE
Charter #65071 · IA
UNITE has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.3% in tier
- + Loan Growth Rate: Top 4.5% in tier
- + AMR Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
- - First Mortgage Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,570
-2.2% YoY-0.6% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$22.1M
+4.5% YoY-0.9% QoQ
|
$-7.8M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$8.9M
+17.0% YoY+2.5% QoQ
|
$-6.8M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$19.1M
+4.7% YoY-2.2% QoQ
|
$-6.3M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.8%
+64.8% YoY-212.0% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.7%
-10.4% YoY+1.1% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
79.8%
-6.9% YoY-25.5% QoQ
|
-1.6% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.4%
-77.3% YoY-4.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
46.7%
+11.8% YoY+4.7% QoQ
|
-14.5% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$17,891
+10.8% YoY-0.2% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
22.1%
+24.2% YoY+11.6% QoQ
|
-2.3% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
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)