BlastPoint's Banking Scorecard
BankUnited, National Association
Large
Specialty: Commercial
FL
FDIC cert 58979
Miami Lakes, FL
69
banks in Large tier nationally
5 in FL
View Large leaderboard (FL) →
BankUnited, National Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 12% in Large
- - Nonperforming Asset Ratio 0.98% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$35.0B
-0.5% YoY
-0.1% QoQ
|
-$39.8B |
$74.9B
-4.4% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$24.1B
-0.1% YoY
+2.4% QoQ
|
-$22.4B |
$46.4B
-2.1% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$29.6B
+5.1% YoY
+2.5% QoQ
|
-$30.9B |
$60.5B
-4.5% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.89%
+14.6% YoY
+0.5% QoQ
|
-0.30% |
1.19%
+17.8% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.04%
+7.7% YoY
+1.1% QoQ
|
-0.42% |
3.46%
+13.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
56.96%
-4.1% YoY
-0.5% QoQ
|
+1.93% |
55.03%
-2.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
2.21%
+11.7% YoY
-4.3% QoQ
|
+1.33% |
0.88%
-0.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
81.23%
-4.9% YoY
-0.1% QoQ
|
-0.49% |
81.72%
+3.9% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
31.64%
+12.5% YoY
+2.8% QoQ
|
+11.67% |
19.97%
+0.5% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.53%
+11.9% YoY
-2.1% QoQ
|
+0.98% |
0.55%
+9.0% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
12.73%
-7.1% YoY
-3.5% QoQ
|
-0.60% |
13.33%
-0.7% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.28%
+3.9% YoY
+39.8% QoQ
|
-0.81% |
1.09%
+2.4% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Flatlined Growth
risk
#3 of 17 · Bottom 12% in Large
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.89%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Bottom 7%
in Large
Why this stands out
Current:
1.53%
(Tier avg: 0.55%, 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
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 31.64% · Tier avg: 19.97%
56
56th pctile
Loan-to-Deposit Ratio
Current: 81.23% · Tier avg: 81.72%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.73% · Tier avg: 13.33%
41
41th pctile
Total Deposits
Current: $29.6B · Tier avg: $60.5B
39
39th pctile
Total Loans
Current: $24.1B · Tier avg: $46.4B
39
39th pctile
Efficiency Ratio
Current: 56.96% · Tier avg: 55.03%
35
35th pctile
Total Assets
Current: $35.0B · Tier avg: $74.9B
25
25th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.46%
16
16th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.19%
10
10th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 1.09%
10
10th pctile
Delinquency Rate
Current: 2.21% · Tier avg: 0.88%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.53% · Tier avg: 0.55%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.53% · Tier avg: 0.55%
10
10th pctile
Delinquency Rate
Current: 2.21% · Tier avg: 0.88%
10
10th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 1.09%
16
16th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.19%
25
25th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.46%
35
35th pctile
Total Assets
Current: $35.0B · Tier avg: $74.9B
39
39th pctile
Efficiency Ratio
Current: 56.96% · Tier avg: 55.03%
39
39th pctile
Total Loans
Current: $24.1B · Tier avg: $46.4B
41
41th pctile
Total Deposits
Current: $29.6B · Tier avg: $60.5B
50
50th pctile
Tier 1 Capital Ratio
Current: 12.73% · Tier avg: 13.33%
56
56th pctile
Loan-to-Deposit Ratio
Current: 81.23% · Tier avg: 81.72%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 31.64% · Tier avg: 19.97%