BlastPoint's Credit Union Scorecard
UNITE
Charter #65071 · IA
UNITE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.9% in tier
- + Fee Income Per Member: Top 4.0% in tier
- + AMR Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 3.65% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - First Mortgage Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,575
-1.2% YoY+0.3% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$22.7M
+5.2% YoY+3.0% QoQ
|
$-7.4M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$9.7M
+28.2% YoY+8.9% QoQ
|
$-6.0M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$19.9M
+5.4% YoY+3.7% QoQ
|
$-5.8M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.4%
-728.0% YoY-45.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.7%
-8.9% YoY-0.3% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
86.2%
-11.3% YoY+8.0% QoQ
|
+3.6% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.6%
+2.2% YoY+263.3% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
49.1%
+21.7% YoY+5.0% QoQ
|
-11.6% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$18,795
+13.3% YoY+5.1% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
23.6%
+21.8% YoY+6.4% QoQ
|
-0.9% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)