BlastPoint's Banking Scorecard
OneUnited Bank
Community
Specialty: Commercial
MA
FDIC cert 23966
Boston, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
OneUnited Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Community
- + Revenue Diversifier: Top 41% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 19% in Community
- - Credit Quality Pressure: Bottom 22% in Community
- - Efficiency Drag: Bottom 55% in Community
- - Return on Assets 0.96% below tier
- - Net Interest Margin 1.40% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$761.7M
+0.7% YoY
+22.4% QoQ
|
-$629.7M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$401.6M
-1.6% YoY
-1.5% QoQ
|
-$573.9M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$517.0M
+0.9% YoY
-2.6% QoQ
|
-$647.6M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.21%
-38.4% YoY
-40.4% QoQ
|
-0.96% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.26%
-11.8% YoY
-5.2% QoQ
|
-1.40% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
99.92%
-1.5% YoY
-1.6% QoQ
|
+37.29% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.15%
+430.1% YoY
+278.4% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
77.68%
-2.4% YoY
+1.1% QoQ
|
-5.38% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
13.82%
-2.4% YoY
+5.3% QoQ
|
-7.22% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.08%
+418.1% YoY
+204.5% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.82%
-11.2% YoY
+9.6% QoQ
|
+1.09% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#5 of 371 · Top 1% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#152 of 371 · Top 41% 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:
1.82%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.21%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (5)
Capital Thin
risk
#82 of 432 · Bottom 19% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#182 of 808 · Bottom 22% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Efficiency Drag
risk
#84 of 152 · Bottom 55% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
99.92%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.21%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.26%
(Tier avg: 3.66%, National avg: 3.75%)
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
95
95th pctile
Non-Interest Income / Assets
Current: 1.82% · Tier avg: 0.74%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
67
67th pctile
Loan-to-Deposit Ratio
Current: 77.68% · Tier avg: 83.06%
32
32th pctile
Total Assets
Current: $761.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.82% · Tier avg: 21.05%
15
15th pctile
Total Deposits
Current: $517.0M · Tier avg: $1.2B
15
15th pctile
Total Loans
Current: $401.6M · Tier avg: $975.5M
5
5th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.16%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.66%
1
1th pctile
Efficiency Ratio
Current: 99.92% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 99.92% · Tier avg: 62.63%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.66%
5
5th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.16%
15
15th pctile
Total Loans
Current: $401.6M · Tier avg: $975.5M
15
15th pctile
Total Deposits
Current: $517.0M · Tier avg: $1.2B
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.82% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Assets
Current: $761.7M · Tier avg: $1.4B
67
67th pctile
Loan-to-Deposit Ratio
Current: 77.68% · Tier avg: 83.06%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
95
95th pctile
Non-Interest Income / Assets
Current: 1.82% · Tier avg: 0.74%