BlastPoint's Credit Union Scorecard
UNISON
Charter #66851 · WI
UNISON has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 39.5% in tier
- + ROA 0.02% above tier average
- + Asset Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 45.3% in tier
- - Credit Quality Pressure: Bottom 71.2% in tier
- - Margin Compression: Bottom 85.2% in tier
- - Membership Headwinds: Bottom 89.5% in tier
- - Stagnation Risk: Bottom 98.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,895
-0.9% YoY-0.3% QoQ
|
+3.5K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$384.2M
+13.4% YoY+5.3% QoQ
|
+$152.3M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 13.3% in tier |
| Loans |
$219.9M
+9.5% YoY+0.9% QoQ
|
+$72.5M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$313.8M
+6.5% YoY+2.8% QoQ
|
+$112.9M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
84% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-16.7% YoY+16.2% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.2%
+2.6% YoY-1.1% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
72.5%
+3.3% YoY-2.9% QoQ
|
-4.5% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.4%
+36.6% YoY+27.2% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
70.1%
+2.8% YoY-1.9% QoQ
|
-2.1% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$28,242
+8.7% YoY+2.3% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
19.7%
+4.8% YoY-1.7% QoQ
|
-4.7% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
0.3%
-55.8% YoY-16.2% QoQ
|
-13.5% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)