BlastPoint's Credit Union Scorecard

UNITY ONE

Charter #68589 · TX

1077 CUs in 100M-500M nationally 79 in TX

UNITY ONE has 2 strengths but faces 15 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

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	70%
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	66%
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	74%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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	57%
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	44%
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	30%
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	19%
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	50%
Indirect Auto %	26.8% -14.8% YoY-4.4% QoQ	+12.9%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

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: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -6.06%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.87%

(Tier: 3.65%, 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: 13.97%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.06%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.87%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.58%

(Tier: 0.85%, National: 1.23%)

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 2.67%

Peer Avg: -

#43 of 1077 Top 3.9% in 100M-500M tier

144

Total Members

engagement

Value: 24,948

Peer Avg: -

#144 of 1077 Top 13.3% in 100M-500M tier

Top Weaknesses (13 metrics)

1054

Asset Growth Rate

growth

Value: -6.50%

Peer Avg: -

#1054 of 1077 Bottom 2.2% in 100M-500M tier

1052

Deposit Growth Rate

growth

Value: -6.65%

Peer Avg: -

#1052 of 1077 Bottom 2.4% in 100M-500M tier

1036

Loan Growth Rate

growth

Value: -9.87%

Peer Avg: -

#1036 of 1077 Bottom 3.9% in 100M-500M tier

1030

Return on Assets (ROA)

profitability

Value: -0.20%

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

1003

Member Growth Rate

growth

Value: -6.06%

Peer Avg: -

#1003 of 1077 Bottom 7.0% in 100M-500M tier

998

Efficiency Ratio

profitability

Value: 92.11%

Peer Avg: -

#998 of 1077 Bottom 7.4% in 100M-500M tier

979

Net Charge-Off Rate

risk

Value: 1.03%

Peer Avg: -

#979 of 1077 Bottom 9.2% in 100M-500M tier

967

Net Worth Ratio

risk

Value: 8.76%

Peer Avg: -

#967 of 1077 Bottom 10.3% in 100M-500M tier

952

AMR Growth Rate

growth

Value: -2.00%

Peer Avg: -

#952 of 1077 Bottom 11.7% in 100M-500M tier

923

Fee Income Per Member

profitability

Value: $99.41

Peer Avg: -

#923 of 1077 Bottom 14.4% in 100M-500M tier