BlastPoint's Credit Union Scorecard
UNITE
Charter #65071 · IA
UNITE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 26.22% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,574
-0.4% YoY-0.1% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$23.5M
+5.7% YoY+3.4% QoQ
|
$-6.7M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$10.0M
+16.6% YoY+3.0% QoQ
|
$-5.2M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$20.7M
+5.6% YoY+4.2% QoQ
|
$-5.1M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
-1.3%
+30.8% YoY-393.3% QoQ
|
-1.5% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.1% in tier |
| NIM |
3.4%
-3.8% YoY-6.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
116.9%
+9.1% YoY+35.5% QoQ
|
+26.2% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
48.5%
+10.4% YoY-1.2% QoQ
|
-10.0% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$19,530
+9.5% YoY+3.9% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
27.5%
+44.1% YoY+16.6% QoQ
|
+3.2% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.7% | 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)