BlastPoint's Banking Scorecard
Universal Bank
Designations: ✓ Minority Depository Institution
West Covina, CA
5 branches across CA
Universal Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.0% in tier
- - Flatlined Growth: Bottom 20.1% in tier
- - Liquidity Overhang: Bottom 27.3% in tier
- - NIB Deposit Bleed: Bottom 28.3% in tier
- - Delinquency Rate 2.85% above tier average
- - Nonperforming Asset Ratio 1.90% above tier average
- - ROA 0.89% below tier average
- - Net Interest Margin 0.95% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$373.4M
+1.9% YoY
+0.6% QoQ
|
-$12.7M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$253.9M
-4.5% YoY
-3.6% QoQ
|
-$1.8M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$278.5M
+10.6% YoY
+1.1% QoQ
|
-$49.5M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
0.38%
-1.4% QoQ
|
-0.89% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.1% in tier |
| Net Interest Margin ? |
2.98%
+2.8% YoY
-4.8% QoQ
|
-0.95% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio ? |
82.51%
-18.2% YoY
-8.6% QoQ
|
+17.22% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate ? |
3.73%
+407.6% YoY
+3.4% QoQ
|
+2.85% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.7% in tier |
| Loan-to-Deposit Ratio ? |
91.16%
-13.7% YoY
-4.7% QoQ
|
+14.52% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
10.05%
-23.2% YoY
-3.4% QoQ
|
-11.97% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.9% in tier |
| Nonperforming Asset Ratio ? |
2.54%
+375.4% YoY
-0.9% QoQ
|
+1.90% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.3% in tier |
| Tier 1 Capital Ratio ? |
18.21%
-0.6% YoY
+0.0% QoQ
|
+2.38% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.05%
+3.6% YoY
-75.2% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
20% |
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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 (0)
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.