UNISON

Charter #66851 | WI

100M-500M (1077 CUs) Micro
27 100M-500M in WI

UNISON has 3 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.3% in tier
  • + Relationship Depth Leader: Top 6.8% in tier
  • + Loan Growth Rate: Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 24.9% in tier
  • - Membership Headwinds: Bottom 33.2% in tier
  • - ROA 0.12% below tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 18,950
-0.5% YoY+0.3% QoQ
 +3.3K 15,628
-3.4% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $364.7M
+9.4% YoY+0.5% QoQ
 +$133.4M $231.3M
-0.0% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Top 15.5% in tier
Loans $218.0M
+15.6% YoY+2.5% QoQ
 +$70.2M $147.8M
-1.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Top 20.8% in tier
Deposits $305.3M
+3.3% YoY-0.0% QoQ
 +$105.0M $200.3M
-0.0% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 17.5% in tier
ROA 0.7%
+3.3% YoY-7.0% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 44th in tier
NIM 3.2%
+4.0% YoY+0.0% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 29th in tier
Efficiency Ratio 74.7%
-2.4% YoY-1.4% QoQ
 -2.6% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 41st in tier
Delinquency Rate 0.3%
-5.6% YoY+2.6% QoQ
 -0.5 0.9%
+7.6% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 Bottom 19.4% in tier
Loan To Share 71.4%
+12.0% YoY+2.6% QoQ
 -1.3% 72.7%
-1.5% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 43rd in tier
AMR $27,613
+8.6% YoY+0.7% QoQ
 +$3K $24,363
+2.9% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 24.9% in tier
CD Concentration 20.0%
+14.6% YoY+3.7% QoQ
 -4.4% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.4%
-58.7% YoY-18.0% QoQ
 -13.6% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#176 of 1006 • Top 6.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.63%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#188 of 1006 • Top 6.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 8.63%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (2)

Stagnation Risk

risk
#410 of 550 • Bottom 24.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.67%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.6K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 20.03%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#548 of 550 • Bottom 33.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

70
Loan Growth Rate
growth
Value: 15.62%
Peer Avg: 3.45%
#70 of 1077 Top 6.4% in 100M-500M tier
136
AMR Growth Rate
growth
Value: 8.63%
Peer Avg: 3.64%
#136 of 1077 Top 12.5% in 100M-500M tier
146
Asset Growth Rate
growth
Value: 9.35%
Peer Avg: 4.70%
#146 of 1077 Top 13.5% in 100M-500M tier
167
Total Assets
balance_sheet
Value: $364.74M
Peer Avg: $231.30M
#167 of 1077 Top 15.4% in 100M-500M tier
188
Total Deposits
balance_sheet
Value: $305.29M
Peer Avg: $200.29M
#188 of 1077 Top 17.4% in 100M-500M tier
210
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Avg: 0.86%
#210 of 1077 Top 19.4% in 100M-500M tier
224
Total Loans
balance_sheet
Value: $217.98M
Peer Avg: $147.80M
#224 of 1077 Top 20.7% in 100M-500M tier
268
Average Member Relationship (AMR)
engagement
Value: $27,613
Peer Avg: $24,363
#268 of 1077 Top 24.8% in 100M-500M tier

Top Weaknesses (3 metrics)

910
First Mortgage Concentration (%)
balance_sheet
Value: 48.09%
Peer Avg: 30.43%
#910 of 1077 Bottom 15.6% in 100M-500M tier
828
Fee Income Per Member
profitability
Value: $115.84
Peer Avg: $174.31
#828 of 1077 Bottom 23.2% in 100M-500M tier
826
Net Worth Ratio
risk
Value: 9.73%
Peer Avg: 12.15%
#826 of 1077 Bottom 23.4% in 100M-500M tier