UNITY ONE

Charter #68589 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

UNITY ONE has 2 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.11% above tier average
  • + First Mortgage Concentration (%): Top 3.9% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 1.9% in tier
  • - Membership Headwinds: Bottom 5.1% in tier
  • - Accelerating Exit Risk: Bottom 5.3% in tier
  • - Efficiency Drag: Bottom 9.1% in tier
  • - Shrinking Wallet Share: Bottom 15.6% in tier
  • - Indirect Auto Dependency: Bottom 25.9% in tier
  • - Stagnation Risk: Bottom 27.4% in tier
  • - ROA 0.99% below tier average
  • - Efficiency ratio 14.83% above tier (higher cost structure)
  • - Member decline: -6.1% YoY
  • - Asset Growth Rate: Bottom 2.2% in tier
  • - Deposit Growth Rate: Bottom 2.4% in tier
  • - Loan Growth Rate: Bottom 3.9% in tier
  • - Member Growth Rate: Bottom 7.0% in tier
  • - Net Charge-Off Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 24,948
-6.1% YoY-0.2% QoQ
 +9.3K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 13.4% in tier
Assets $277.8M
-6.5% YoY-4.2% QoQ
 +$46.5M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $167.8M
-9.9% YoY-2.2% QoQ
 +$20.0M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $261.0M
-6.7% YoY-5.1% QoQ
 +$60.7M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 74th in tier
ROA -0.2%
+125.8% YoY+39.1% QoQ
 -1.0% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 4.4% in tier
NIM 3.7%
+7.6% YoY+4.2% QoQ
 +0.1% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 57th in tier
Efficiency Ratio 92.1%
+4.7% YoY+1.4% QoQ
 +14.8% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 7.4% in tier
Delinquency Rate 0.6%
-19.2% YoY-11.8% QoQ
 -0.3 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 44th in tier
Loan To Share 64.3%
-3.4% YoY+3.0% QoQ
 -8.4% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $17,186
-2.0% YoY-3.8% QoQ
 $-7K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 18.7% in tier
CD Concentration 18.2%
-18.5% YoY-14.6% QoQ
 -6.2% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 26.8%
-14.8% YoY-4.4% QoQ
 +12.9% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Institutional Decline

decline
#16 of 256 • Bottom 1.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $277.82M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -6.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -9.87%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#85 of 550 • Bottom 5.1% in tier

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

Why This Signature
Member Growth (YoY): -6.06%
(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 | Rank improving

Accelerating Exit Risk

decline
#15 of 58 • Bottom 5.3% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -6.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -2.00%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 1077 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Efficiency Drag

risk
#162 of 521 • Bottom 9.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 92.11%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -6.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#156 of 244 • Bottom 15.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.00%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#417 of 525 • Bottom 25.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -6.50%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 26.85%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -6.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk
#452 of 550 • Bottom 27.4% 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: -0.20%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $17.2K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 18.17%
(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 | Rank worsening

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 (2 metrics)

43
First Mortgage Concentration (%)
balance_sheet
Value: 2.67%
Peer Avg: 30.43%
#43 of 1077 Top 3.9% in 100M-500M tier
144
Total Members
engagement
Value: 24,948
Peer Avg: 15,628
#144 of 1077 Top 13.3% in 100M-500M tier

Top Weaknesses (13 metrics)

1054
Asset Growth Rate
growth
Value: -6.50%
Peer Avg: 4.70%
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1052
Deposit Growth Rate
growth
Value: -6.65%
Peer Avg: 4.69%
#1052 of 1077 Bottom 2.4% in 100M-500M tier
1036
Loan Growth Rate
growth
Value: -9.87%
Peer Avg: 3.45%
#1036 of 1077 Bottom 3.9% in 100M-500M tier
1030
Return on Assets (ROA)
profitability
Value: -0.20%
Peer Avg: 0.79%
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1003
Member Growth Rate
growth
Value: -6.06%
Peer Avg: 0.72%
#1003 of 1077 Bottom 7.0% in 100M-500M tier
998
Efficiency Ratio
profitability
Value: 92.11%
Peer Avg: 77.28%
#998 of 1077 Bottom 7.4% in 100M-500M tier
979
Net Charge-Off Rate
risk
Value: 1.03%
Peer Avg: 0.47%
#979 of 1077 Bottom 9.2% in 100M-500M tier
967
Net Worth Ratio
risk
Value: 8.76%
Peer Avg: 12.15%
#967 of 1077 Bottom 10.3% in 100M-500M tier
952
AMR Growth Rate
growth
Value: -2.00%
Peer Avg: 3.64%
#952 of 1077 Bottom 11.7% in 100M-500M tier
923
Fee Income Per Member
profitability
Value: $99.41
Peer Avg: $174.31
#923 of 1077 Bottom 14.4% in 100M-500M tier