BlastPoint's Credit Union Scorecard
UNITY ONE
Charter #68589 · TX
UNITY ONE has 2 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + First Mortgage Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.0% in tier
- - Institutional Decline: Bottom 5.4% in tier
- - Accelerating Exit Risk: Bottom 7.3% in tier
- - Membership Headwinds: Bottom 17.2% in tier
- - Efficiency Drag: Bottom 37.1% in tier
- - Shrinking Wallet Share: Bottom 44.4% in tier
- - Indirect Auto Dependency: Bottom 80.4% in tier
- - ROA 0.96% below tier average
- - Efficiency ratio 14.33% above tier (higher cost structure)
- - Delinquency rate 0.00% above tier average
- - Member decline: -6.1% YoY
- - Deposit Growth Rate: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 2.4% in tier
- - AMR Growth Rate: Bottom 7.4% in tier
- - Net Charge-Off Rate: Bottom 7.4% in tier
- - Member Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,940
-6.1% YoY-0.0% QoQ
|
+9.5K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 13.0% in tier |
| Assets |
$271.3M
-6.5% YoY-2.4% QoQ
|
+$39.4M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$163.5M
-10.6% YoY-2.6% QoQ
|
+$16.2M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$254.3M
-7.8% YoY-2.5% QoQ
|
+$53.5M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
-0.2%
+301.7% YoY-1.0% QoQ
|
-1.0% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.6% in tier |
| NIM |
3.8%
+11.2% YoY+3.8% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
91.3%
+4.3% YoY-0.8% QoQ
|
+14.3% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
0.9%
-27.7% YoY+55.6% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
64.3%
-3.1% YoY-0.0% QoQ
|
-7.9% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$16,753
-3.0% YoY-2.5% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
16.3%
-24.9% YoY-10.1% QoQ
|
-8.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
25.6%
-15.3% YoY-4.7% QoQ
|
+11.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)