BlastPoint's Credit Union Scorecard

UNIWYO

Charter #9089 · WY

Community 750M-1B

112 CUs in 750M-1B nationally 1 in WY

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UNIWYO has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 4.4% in tier
+ Profitability Leader: Top 41.3% in tier
+ ROA 0.83% above tier average
+ Net Interest Margin 0.26% above tier average
+ Strong member growth: 5.8% YoY
+ Member Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 8.8% in tier
- Credit Risk Growth: Bottom 12.0% in tier
- Indirect Auto Dependency: Bottom 12.5% in tier
- Credit Quality Pressure: Bottom 22.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	60,086 +5.8% YoY+1.6% QoQ	+8.0K	52,114 -2.1% YoY	21,805 +7.5% YoY	33,089 +6.1% YoY	70%
Assets	$775.7M +5.6% YoY+0.1% QoQ	$-83.3M	$859.0M +0.0% YoY	$326.6M +9.9% YoY	$547.7M +7.8% YoY	16%
Loans	$504.4M +11.9% YoY+2.5% QoQ	$-99.0M	$603.4M +1.0% YoY	$246.2M +9.3% YoY	$388.7M +8.6% YoY	19%
Deposits	$678.8M +4.5% YoY-0.3% QoQ	$-55.4M	$734.2M +0.9% YoY	$279.6M +8.1% YoY	$464.6M +9.3% YoY	22%

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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	1.5% -8.9% YoY+9.3% QoQ	+0.8%	0.7% +27.6% YoY	1.2% +23.5% YoY	0.7% +273.4% YoY	Top 8.9% in tier
NIM	3.6% +8.6% YoY+1.8% QoQ	+0.3%	3.4% +9.6% YoY	3.9% +2.2% YoY	3.7% +5.0% YoY	66%
Efficiency Ratio	62.1% -1.1% YoY-2.6% QoQ	-12.5%	74.5% -3.2% YoY	69.2% -3.0% YoY	79.1% -3.3% YoY	Bottom 14.3% in tier
Delinquency Rate	0.7% +10.1% YoY+15.7% QoQ	-0.1	0.8% +5.0% YoY	2.1% +78.2% YoY	1.2% -0.9% YoY	54%
Loan To Share	74.3% +7.0% YoY+2.8% QoQ	-8.4%	82.7% +0.1% YoY	79.1% -2.4% YoY	68.0% -1.7% YoY	24%
AMR	$19,692 +1.7% YoY-0.7% QoQ	$-9K	$28,651 +2.5% YoY	$22,916 +4.8% YoY	$19,418 +1.3% YoY	Bottom 10.7% in tier
CD Concentration	29.7% +0.4% YoY+0.4% QoQ	+5.3%	24.4% +4.2% YoY	26.0% +2.0% YoY	19.6% +6.2% YoY	69%
Indirect Auto %	36.0% +14.1% YoY+0.1% QoQ	+22.1%	14.0% -5.7% YoY	19.6% +0.8% YoY	7.9% -2.9% YoY	Top 11.5% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#82 of 603 • Top 4.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.80%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.54%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 36.04%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth

#141 of 340 • Top 41.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.54%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline

#38 of 136 • Bottom 8.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.54%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.69%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 281 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Risk Growth

risk

#181 of 446 • Bottom 12.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.90%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#201 of 525 • Bottom 12.5% in tier

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

Why This Signature

Asset Growth (YoY): 5.56%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 36.04%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 5.80%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#552 of 736 • Bottom 22.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 112 peers in tier

Top Strengths (5 metrics)

Return on Assets (ROA)

profitability

Value: 1.54%

Peer Avg: -

#10 of 112 Top 8.0% in 750M-1B tier

Member Growth Rate

growth

Value: 5.80%

Peer Avg: -

#12 of 112 Top 9.8% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 488.504

Peer Avg: -

#13 of 112 Top 10.7% in 750M-1B tier

Efficiency Ratio

profitability

Value: 62.07%

Peer Avg: -

#17 of 112 Top 14.3% in 750M-1B tier

Loan Growth Rate

growth

Value: 11.90%

Peer Avg: -

#17 of 112 Top 14.3% in 750M-1B tier

Top Weaknesses (7 metrics)

101

Loan-to-Member Ratio (LMR)

engagement

Value: $8,395

Peer Avg: -

#101 of 112 Bottom 10.7% in 750M-1B tier

100

Average Member Relationship (AMR)

engagement

Value: $19,692

Peer Avg: -

#100 of 112 Bottom 11.6% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 36.04%

Peer Avg: -

#98 of 112 Bottom 13.4% in 750M-1B tier

Total Assets

balance_sheet

Value: $775.67M

Peer Avg: -

#94 of 112 Bottom 17.0% in 750M-1B tier

Total Loans

balance_sheet

Value: $504.41M

Peer Avg: -

#91 of 112 Bottom 19.6% in 750M-1B tier

Total Deposits

balance_sheet

Value: $678.82M

Peer Avg: -

#87 of 112 Bottom 23.2% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 74.31%

Peer Avg: -

#85 of 112 Bottom 25.0% in 750M-1B tier