BlastPoint's Credit Union Scorecard
UNIWYO
Charter #9089 · WY
UNIWYO has 5 strengths but faces 1 concern
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How does WY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 13.1% in tier
- + ROA 0.77% above tier average
- + Net Interest Margin 0.27% above tier average
- + Strong member growth: 5.4% YoY
- + Members Per Employee (MPE): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 31.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,527
+5.4% YoY+0.7% QoQ
|
+8.4K |
52,084
-1.6% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$791.3M
+7.2% YoY+2.0% QoQ
|
$-72.6M |
$863.9M
+0.5% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$507.7M
+10.7% YoY+0.7% QoQ
|
$-98.1M |
$605.8M
+1.4% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$690.9M
+5.4% YoY+1.8% QoQ
|
$-46.4M |
$737.3M
+0.1% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
1.5%
+5.6% YoY-1.7% QoQ
|
+0.8% |
0.7%
+39.1% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
Top 6.8% in tier |
| NIM |
3.7%
+8.3% YoY+0.6% QoQ
|
+0.3% |
3.4%
+8.7% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
61.0%
-6.4% YoY-1.7% QoQ
|
-13.3% |
74.3%
-3.6% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
0.8%
-2.3% YoY+10.1% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
73.5%
+5.0% YoY-1.1% QoQ
|
-9.1% |
82.6%
+1.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$19,803
+2.0% YoY+0.6% QoQ
|
$-9K |
$28,873
+2.7% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.1% in tier |
| CD Concentration |
30.9%
+6.0% YoY+4.0% QoQ
|
+6.4% | 24.4% | 26.5% | 19.8% | 73% |
| Indirect Auto % |
36.4%
+12.8% YoY+0.9% QoQ
|
+22.6% | 13.8% | 19.3% | 7.8% | Top 10.8% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)