BlastPoint's Banking Scorecard
BankUnited, National Association
Miami Lakes, FL
58 branches across FL · NY · GA · TX
BankUnited, National Association faces 6 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 29.2% in tier
- - Delinquency Rate 0.95% above tier average
- - Nonperforming Asset Ratio 0.62% above tier average
- - ROA 0.45% below tier average
- - Net Interest Margin 0.76% below tier average
- - Efficiency Ratio 3.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$35.3B
+1.5% YoY
+0.9% QoQ
|
-$12.0B |
$47.4B
-2.0% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.0% YoY
|
67% |
| Total Loans ? |
$24.0B
+0.8% YoY
-0.4% QoQ
|
-$5.7B |
$29.6B
-0.4% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.7% YoY
|
67% |
| Total Deposits ? |
$29.6B
+3.7% YoY
-0.2% QoQ
|
-$9.2B |
$38.7B
-1.6% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.0% YoY
|
70% |
| Return on Assets ? |
0.83%
+5.7% YoY
-6.6% QoQ
|
-0.45% |
1.28%
+19.3% YoY
|
0.83%
+61.5% YoY
|
1.24%
+13.1% YoY
|
18% |
| Net Interest Margin ? |
3.01%
+3.8% YoY
-0.9% QoQ
|
-0.76% |
3.77%
+5.6% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
56.96%
-3.5% YoY
+0.0% QoQ
|
+3.06% |
53.90%
-4.0% YoY
|
71.93%
-25.2% YoY
|
66.84%
-3.8% YoY
|
41% |
| Delinquency Rate ? |
1.97%
-8.1% YoY
-10.9% QoQ
|
+0.95% |
1.02%
-4.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.2% in tier |
| Loan-to-Deposit Ratio ? |
81.05%
-2.7% YoY
-0.2% QoQ
|
+0.17% |
80.88%
+2.0% YoY
|
73.79%
+1.2% YoY
|
76.69%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
30.94%
+3.4% YoY
-2.2% QoQ
|
+11.12% |
19.82%
+0.3% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.1% YoY
|
84% |
| Nonperforming Asset Ratio ? |
1.35%
-8.8% YoY
-12.1% QoQ
|
+0.62% |
0.73%
+4.0% YoY
|
0.43%
-5.1% YoY
|
0.66%
+19.3% YoY
|
Bottom 7.4% in tier |
| Tier 1 Capital Ratio ? |
12.89%
-3.9% YoY
+1.3% QoQ
|
-2.67% |
15.56%
-0.1% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.05%
-4.8% YoY
-80.6% QoQ
|
-0.17% |
0.23%
+0.9% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.0% YoY
|
Bottom 13.3% 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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.