BlastPoint's Credit Union Scorecard

UNIVERSAL

Charter #785 · WV

<100M

2508 CUs in <100M nationally 63 in WV

UNIVERSAL has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.16% above tier average
+ Total Deposits: Top 0.7% in tier
+ Total Assets: Top 0.8% in tier
+ Total Members: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.9% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	5,929 -2.9% YoY-1.3% QoQ	+3.3K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	Top 9.0% in tier
Assets	$97.2M +1.6% YoY+2.7% QoQ	+$67.0M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	Top 0.8% in tier
Loans	$27.1M -13.1% YoY-4.2% QoQ	+$11.9M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	80%
Deposits	$85.5M +1.4% YoY+2.9% QoQ	+$59.7M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	Top 0.7% in tier

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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% -10.9% YoY-13.7% QoQ	+0.2%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	35%
NIM	2.9% +6.3% YoY-0.4% QoQ	-1.1%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Bottom 14.9% in tier
Efficiency Ratio	90.5% +1.7% YoY+1.5% QoQ	-0.1%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.0% -66.3% YoY-76.8% QoQ	-1.5	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	16%
Loan To Share	31.7% -14.3% YoY-6.9% QoQ	-26.8%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	Bottom 12.9% in tier
AMR	$18,995 +0.3% YoY+2.5% QoQ	+$4K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	74%
CD Concentration	10.4% +21.9% YoY-5.8% QoQ	-13.9%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Total Deposits

balance_sheet

Value: $85.49M

Peer Median: $18.77M

#18 of 2508 Top 0.7% in <100M tier

Total Assets

balance_sheet

Value: $97.18M

Peer Median: $21.86M

#20 of 2508 Top 0.8% in <100M tier

225

Total Members

engagement

Value: 5,929

Peer Median: 1,918

#225 of 2508 Top 8.9% in <100M tier

409

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: 0.65%

#409 of 2508 Top 16.3% in <100M tier

498

Total Loans

balance_sheet

Value: $27.14M

Peer Median: $9.48M

#498 of 2508 Top 19.8% in <100M tier

Top Weaknesses (4 metrics)

2183

Loan-to-Share Ratio

balance_sheet

Value: 31.74%

Peer Median: 58.72%

#2183 of 2508 Bottom 13.0% in <100M tier

2135

Net Interest Margin (NIM)

profitability

Value: 2.88%

Peer Median: 3.83%

#2135 of 2508 Bottom 14.9% in <100M tier

2131

Loan Growth Rate

growth

Value: -13.07%

Peer Median: -2.36%

#2131 of 2508 Bottom 15.1% in <100M tier

1915

First Mortgage Concentration (%)

balance_sheet

Value: 27.03%

Peer Median: 3.66%

#1915 of 2508 Bottom 23.7% in <100M tier