BlastPoint's Credit Union Scorecard
UNIWYO
Charter #9089 · WY
UNIWYO has 3 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does WY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Net Interest Margin 0.17% above tier average
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 25.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,123
+4.6% YoY+1.0% QoQ
|
+9.6K |
51,500
+0.7% YoY
|
21,934
+2.5% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$818.0M
+7.1% YoY+3.4% QoQ
|
$-47.6M |
$865.6M
+0.9% YoY
|
$341.2M
+5.8% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$516.6M
+6.5% YoY+1.8% QoQ
|
$-78.7M |
$595.3M
+1.6% YoY
|
$250.8M
+3.8% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$712.3M
+5.6% YoY+3.1% QoQ
|
$-29.9M |
$742.2M
+0.6% YoY
|
$290.8M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
1.7%
+35.1% YoY+12.2% QoQ
|
+0.9% |
0.8%
+45.0% YoY
|
1.0%
-6.8% YoY
|
0.4%
-39.2% YoY
|
Top 6.0% in tier |
| NIM |
3.6%
+1.0% YoY-1.1% QoQ
|
+0.2% |
3.5%
+6.1% YoY
|
3.9%
-0.5% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
60.6%
-9.0% YoY-0.7% QoQ
|
-14.9% |
75.5%
-3.4% YoY
|
73.8%
+4.7% YoY
|
84.6%
+2.8% YoY
|
Top 12.0% in tier |
| Delinquency Rate |
0.6%
-12.7% YoY-28.5% QoQ
|
-0.1 |
0.7%
-0.1% YoY
|
1.7%
+17.4% YoY
|
1.2%
+3.4% YoY
|
50% |
| Loan To Share |
72.5%
+0.8% YoY-1.3% QoQ
|
-8.1% |
80.6%
+0.7% YoY
|
76.1%
-2.5% YoY
|
65.6%
-1.4% YoY
|
23% |
| AMR |
$20,105
+1.3% YoY+1.5% QoQ
|
$-9K |
$28,908
+0.7% YoY
|
$23,399
+4.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.0% in tier |
| CD Concentration |
29.8%
+2.1% YoY-3.3% QoQ
|
+5.6% | 24.3% | 26.4% | 19.8% | 71% |
| Indirect Auto % |
37.0%
+4.5% YoY+1.7% QoQ
|
+23.2% | 13.8% | 19.3% | 7.7% | Bottom 10.4% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
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)