BlastPoint's Banking Scorecard
UniBank
Designations: ✓ Minority Depository Institution
Lynnwood, WA
4 branches across WA
UniBank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 4.0% in tier
- - Deposit Outflow: Bottom 9.1% in tier
- - Return on Assets 1.40% below tier average
- - Efficiency Ratio 62.67% above tier average
- - Net Interest Margin 0.87% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$401.8M
-9.0% YoY
-1.7% QoQ
|
+$15.7M |
$386.1M
+0.5% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$263.7M
-26.6% YoY
-7.0% QoQ
|
+$8.0M |
$255.7M
+1.1% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$332.0M
-13.5% YoY
-1.8% QoQ
|
+$4.0M |
$328.0M
+0.1% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
-0.13%
+92.1% YoY
+71.7% QoQ
|
-1.40% |
1.27%
+12.9% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.9% in tier |
| Net Interest Margin ? |
3.06%
+27.7% YoY
+22.4% QoQ
|
-0.87% |
3.93%
+6.0% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio ? |
127.95%
+26.4% YoY
-1.2% QoQ
|
+62.67% |
65.29%
-4.5% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate ? |
0.57%
-80.0% YoY
-68.5% QoQ
|
-0.32% |
0.89%
+18.8% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
79.43%
-15.2% YoY
-5.3% QoQ
|
+2.79% |
76.64%
+0.8% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
17.60%
-7.0% YoY
-3.3% QoQ
|
-4.42% |
22.02%
-1.0% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.37%
-83.9% YoY
-70.2% QoQ
|
-0.27% |
0.64%
+19.7% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
10.63%
+37.1% YoY
+6.6% QoQ
|
-5.20% |
15.83%
+1.5% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.05%
-21.6% YoY
-71.6% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
19% |
Get Full Access to UniBank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.