BlastPoint's Banking Scorecard
Universal Bank
Micro
Specialty: Commercial
CA
FDIC cert 30722
Designations: ✓ Community bank
West Covina, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Universal Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 22.52% above tier
- - Delinquency Rate 2.97% above tier
- - Nonperforming Asset Ratio 2.11% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$371.2M
+4.2% YoY
+2.7% QoQ
|
+$153.7M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$263.4M
-2.4% YoY
-4.7% QoQ
|
+$124.2M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$275.4M
+13.9% YoY
+3.6% QoQ
|
+$91.8M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.39%
+9.2% YoY
+15.6% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.13%
+12.2% YoY
+2.1% QoQ
|
-0.72% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
90.25%
+0.7% YoY
-3.9% QoQ
|
+22.52% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
3.61%
+0.4% QoQ
|
+2.97% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
95.62%
-14.3% YoY
-8.0% QoQ
|
+21.10% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.40%
-23.2% YoY
-11.0% QoQ
|
-11.99% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
2.56%
-6.8% QoQ
|
+2.11% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
-56.5% YoY
+36.8% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.25%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.61%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.56%
(Tier avg: 0.45%, National avg: 0.48%)
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
87
87th pctile
Total Loans
Current: $263.4M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $371.2M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $275.4M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
20
20th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.08%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.62% · Tier avg: 74.53%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.40% · Tier avg: 22.39%
9
9th pctile
Efficiency Ratio
Current: 90.25% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.61% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.56% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.56% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.61% · Tier avg: 0.64%
9
9th pctile
Efficiency Ratio
Current: 90.25% · Tier avg: 67.73%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.40% · Tier avg: 22.39%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.62% · Tier avg: 74.53%
15
15th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.08%
20
20th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.85%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Total Deposits
Current: $275.4M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $371.2M · Tier avg: $217.5M
87
87th pctile
Total Loans
Current: $263.4M · Tier avg: $139.2M