BlastPoint's Banking Scorecard
Community Unity Bank
Micro
Specialty: Commercial
MI
FDIC cert 59305
Designations: ✓ Community bank
Birmingham, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Community Unity Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 28.01% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 4.19% below tier
- - Efficiency Ratio 115.24% above tier
- - Non-Interest-Bearing Deposit Share 16.48% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.0M
+47.8% YoY
+18.6% QoQ
|
-$122.5M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$53.5M
+37.4% YoY
+5.2% QoQ
|
-$85.7M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$72.8M
+78.8% YoY
+25.4% QoQ
|
-$110.9M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
-3.11%
+45.7% YoY
+15.1% QoQ
|
-4.19% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.41%
-16.3% YoY
-5.1% QoQ
|
-0.45% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
182.97%
-15.8% YoY
-5.8% QoQ
|
+115.24% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
73.54%
-23.1% YoY
-16.1% QoQ
|
-0.99% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
5.92%
-28.0% YoY
-17.9% QoQ
|
-16.48% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
36.86%
-36.2% YoY
-7.2% QoQ
|
+28.01% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.10%
+59.6% YoY
+19.3% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
36.86%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-3.11%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
182.97%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.92%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Tier 1 Capital Ratio
Current: 36.86% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.54% · Tier avg: 74.53%
30
30th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.85%
22
22th pctile
Total Loans
Current: $53.5M · Tier avg: $139.2M
21
21th pctile
Total Assets
Current: $95.0M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $72.8M · Tier avg: $183.7M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.92% · Tier avg: 22.39%
0
0th pctile
Return on Assets
Current: -3.11% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 182.97% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 182.97% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -3.11% · Tier avg: 1.08%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.92% · Tier avg: 22.39%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
18
18th pctile
Total Deposits
Current: $72.8M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.0M · Tier avg: $217.5M
22
22th pctile
Total Loans
Current: $53.5M · Tier avg: $139.2M
30
30th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.54% · Tier avg: 74.53%
98
98th pctile
Tier 1 Capital Ratio
Current: 36.86% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%