BlastPoint's Credit Union Scorecard

UNITY ONE

Charter #68589 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

UNITY ONE has 2 strengths but faces 8 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 0.10% above tier average
+ First Mortgage Concentration (%): Top 4.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 1.02% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	24,949 -5.9% YoY+0.0% QoQ	+9.8K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 12.2% in tier
Assets	$280.2M -6.5% YoY+3.3% QoQ	+$48.5M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	70%
Loans	$158.7M -9.8% YoY-2.9% QoQ	+$14.6M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	65%
Deposits	$263.7M -7.2% YoY+3.7% QoQ	+$62.6M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3% +138.9% YoY+48.4% QoQ	-1.0%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 4.1% in tier
NIM	3.7% +6.1% YoY-2.8% QoQ	+0.1%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	95.5% +5.6% YoY+4.6% QoQ	+17.5%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 5.3% in tier
Delinquency Rate	0.7% -9.0% YoY-22.0% QoQ	-0.1	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	57%
Loan To Share	60.2% -2.8% YoY-6.4% QoQ	-10.2%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	27%
AMR	$16,932 -2.5% YoY+1.1% QoQ	$-8K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	16%
CD Concentration	15.8% -25.5% YoY-3.4% QoQ	-8.5%	24.3%	21.3%	19.8%	50%
Indirect Auto %	24.4% -15.9% YoY-4.8% QoQ	+10.5%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#30 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.82%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.70%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#15 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $280.17M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -5.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.82%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Accelerating Exit Risk

decline

#9 of 53 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -2.47%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Membership Headwinds

decline

#99 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#183 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 95.53%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -5.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#133 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -2.47%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#418 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -6.52%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 24.35%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -5.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 2.85%

Peer Median: 29.47%

#44 of 1070 Top 4.0% in 100M-500M tier

131

Total Members

engagement

Value: 24,949

Peer Median: 13,200

#131 of 1070 Top 12.1% in 100M-500M tier

263

Share Certificate Concentration (%)

balance_sheet

Value: 15.78%

Peer Median: 23.10%

#263 of 1070 Top 24.5% in 100M-500M tier

Top Weaknesses (13 metrics)

1051

Deposit Growth Rate

growth

Value: -7.19%

Peer Median: 3.30%

#1051 of 1070 Bottom 1.9% in 100M-500M tier

1050

Asset Growth Rate

growth

Value: -6.52%

Peer Median: 3.91%

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1044

Loan Growth Rate

growth

Value: -9.82%

Peer Median: 2.93%

#1044 of 1070 Bottom 2.5% in 100M-500M tier

1026

Return on Assets (ROA)

profitability

Value: -0.29%

Peer Median: 0.69%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

1014

Efficiency Ratio

profitability

Value: 95.53%

Peer Median: 78.68%

#1014 of 1070 Bottom 5.3% in 100M-500M tier

1003

Net Worth Ratio

risk

Value: 8.39%

Peer Median: 11.45%

#1003 of 1070 Bottom 6.4% in 100M-500M tier

988

Member Growth Rate

growth

Value: -5.87%

Peer Median: -0.06%

#988 of 1070 Bottom 7.8% in 100M-500M tier

959

AMR Growth Rate

growth

Value: -2.47%

Peer Median: 3.46%

#959 of 1070 Bottom 10.5% in 100M-500M tier

951

Net Charge-Off Rate

risk

Value: 1.03%

Peer Median: 0.35%

#951 of 1070 Bottom 11.2% in 100M-500M tier

895

Average Member Relationship (AMR)

engagement

Value: $16,932

Peer Median: $22,931

#895 of 1070 Bottom 16.4% in 100M-500M tier