BlastPoint's Credit Union Scorecard
UNITE
Charter #65071 · IA
UNITE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Efficiency ratio 15.21% above tier (higher cost structure)
- - Delinquency rate 1.88% above tier average
- - First Mortgage Concentration (%): Bottom 7.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits +5.5% year over year ($20.7M in shares and deposits).
- Membership: 1,573 members, -0.4% vs a year ago.
- Delinquency rate 3.42%.
- Return on assets 0.23%.
- Efficiency ratio 103.97% vs a 88.77% peer average.
- Loan-to-share ratio 49.54% vs a 58.89% 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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,573
-0.4% YoY-0.1% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$23.6M
+6.2% YoY+0.5% QoQ
|
$-6.6M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$10.2M
+17.2% YoY+1.9% QoQ
|
$-5.2M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$20.7M
+5.5% YoY-0.2% QoQ
|
$-5.2M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.2%
-131.2% YoY-117.3% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.2% in tier |
| NIM |
3.4%
-5.6% YoY+0.7% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
104.0%
-3.0% YoY-11.0% QoQ
|
+15.2% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
3.4%
+646.6% YoY
|
+1.9 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.3% in tier |
| Loan To Share |
49.5%
+11.1% YoY+2.2% QoQ
|
-9.4% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$19,632
+9.6% YoY+0.5% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
25.7%
+29.5% YoY-6.5% QoQ
|
+1.1% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 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)