BlastPoint's Banking Scorecard
OneUnited Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Boston, MA
5 branches across CA · MA · FL
OneUnited Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 33.2% in tier
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.6% in tier
- - Deposit Outflow: Bottom 24.5% in tier
- - Capital Thin: Bottom 26.1% in tier
- - Credit Quality Pressure: Bottom 27.5% in tier
- - Return on Assets 2.31% below tier average
- - Net Interest Margin 1.74% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$609.0M
+0.4% YoY
-20.0% QoQ
|
+$222.9M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$403.7M
-1.5% YoY
+0.5% QoQ
|
+$148.0M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$481.9M
-7.0% YoY
-6.8% QoQ
|
+$154.0M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
-1.04%
-496.0% YoY
-599.8% QoQ
|
-2.31% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.1% in tier |
| Net Interest Margin ? |
2.19%
-8.9% YoY
-3.2% QoQ
|
-1.74% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio ? |
104.04%
+11.9% YoY
+4.1% QoQ
|
+38.75% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate ? |
0.19%
+30.0% QoQ
|
-0.69% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
83.76%
+5.9% YoY
+7.8% QoQ
|
+7.13% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
14.39%
+2.4% YoY
+4.1% QoQ
|
-7.63% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.13%
+63.4% QoQ
|
-0.51% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
10.83%
-2.6% YoY
-0.6% QoQ
|
-5.00% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.46%
-33.5% YoY
-75.0% QoQ
|
+0.18% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Top 3.7% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.