BlastPoint's Banking Scorecard
University Bank
Community
Specialty: Mortgage
MI
FDIC cert 14587
Ann Arbor, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
University Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18% in Community
- + Deposit Franchise: Top 28% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 23% in Community
- - Margin Compression: Bottom 55% in Community
- - Loan-to-Deposit Ratio 27.29% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+16.1% YoY
-2.0% QoQ
|
-$281.2M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$986.2M
+17.9% YoY
-1.9% QoQ
|
+$10.7M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$893.7M
+22.2% YoY
-1.9% QoQ
|
-$270.9M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.13%
-12.5% YoY
+1.8% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.43%
-1.4% YoY
+0.9% QoQ
|
+0.77% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
86.64%
+3.7% YoY
+0.5% QoQ
|
+24.01% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.43%
+187.3% YoY
-12.4% QoQ
|
-0.20% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
110.35%
-3.5% YoY
+0.1% QoQ
|
+27.29% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
45.99%
+2.0% YoY
+0.4% QoQ
|
+24.94% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+226.7% YoY
-13.0% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
6.59%
-6.9% YoY
+37.8% QoQ
|
+5.85% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#66 of 371 · Top 18% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
6.59%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.13%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#42 of 150 · Top 28% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
45.99%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.43%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (3)
Efficiency Drag
risk
#35 of 152 · Bottom 23% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.64%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#67 of 120 · Bottom 55% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.13%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
110.35%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest Income / Assets
Current: 6.59% · Tier avg: 0.74%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 45.99% · Tier avg: 21.05%
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
67
67th pctile
Total Loans
Current: $986.2M · Tier avg: $975.5M
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $893.7M · Tier avg: $1.2B
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
5
5th pctile
Efficiency Ratio
Current: 86.64% · Tier avg: 62.63%
3
3th pctile
Loan-to-Deposit Ratio
Current: 110.35% · Tier avg: 83.06%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 110.35% · Tier avg: 83.06%
5
5th pctile
Efficiency Ratio
Current: 86.64% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
53
53th pctile
Total Deposits
Current: $893.7M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
67
67th pctile
Total Loans
Current: $986.2M · Tier avg: $975.5M
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 45.99% · Tier avg: 21.05%
99
99th pctile
Non-Interest Income / Assets
Current: 6.59% · Tier avg: 0.74%