BlastPoint's Banking Scorecard
UniBank
Micro
Specialty: Commercial
WA
FDIC cert 58407
Designations: ✓ Community bank
Lynnwood, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
UniBank 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
- - Return on Assets 1.56% below tier
- - Net Interest Margin 1.36% below tier
- - Efficiency Ratio 61.74% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$408.9M
-21.7% YoY
+3.5% QoQ
|
+$191.4M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$283.4M
-26.6% YoY
-4.9% QoQ
|
+$144.2M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$338.0M
-23.2% YoY
-2.0% QoQ
|
+$154.3M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
-0.47%
+91.2% YoY
-5.1% QoQ
|
-1.56% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.50%
-11.5% YoY
-0.2% QoQ
|
-1.36% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
129.47%
+68.3% YoY
+8.7% QoQ
|
+61.74% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
1.80%
-37.0% YoY
+0.5% QoQ
|
+1.16% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
83.85%
-4.5% YoY
-3.0% QoQ
|
+9.33% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
18.20%
+4.7% YoY
-7.8% QoQ
|
-4.20% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.25%
-41.0% YoY
-7.8% QoQ
|
+0.80% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
9.98%
+32.5% YoY
+3.7% QoQ
|
+1.12% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.17%
-43.8% YoY
+36.0% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.47%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
129.47%
(Tier avg: 67.73%, National avg: 65.09%)
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
90
90th pctile
Total Loans
Current: $283.4M · Tier avg: $139.2M
89
89th pctile
Total Assets
Current: $408.9M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $338.0M · Tier avg: $183.7M
66
66th pctile
Loan-to-Deposit Ratio
Current: 83.85% · Tier avg: 74.53%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.98% · Tier avg: 8.85%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.20% · Tier avg: 22.39%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
15
15th pctile
Delinquency Rate
Current: 1.80% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.25% · Tier avg: 0.45%
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.85%
4
4th pctile
Return on Assets
Current: -0.47% · Tier avg: 1.08%
1
1th pctile
Efficiency Ratio
Current: 129.47% · Tier avg: 67.73%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 129.47% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.47% · Tier avg: 1.08%
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.85%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.25% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.80% · Tier avg: 0.64%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.20% · Tier avg: 22.39%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.98% · Tier avg: 8.85%
66
66th pctile
Loan-to-Deposit Ratio
Current: 83.85% · Tier avg: 74.53%
88
88th pctile
Total Deposits
Current: $338.0M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $408.9M · Tier avg: $217.5M
90
90th pctile
Total Loans
Current: $283.4M · Tier avg: $139.2M