BlastPoint's Banking Scorecard
Community Unity Bank
$100M-$1B
Specialty: Commercial
MI
FDIC cert 59305
Birmingham, MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
- Deposits +66.3% year over year ($85.8M on the books).
- Delinquency rate 0.00%.
- Return on assets -1.68%.
- Efficiency ratio 135.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
47 in MI
View $100M-$1B leaderboard (MI) →
Community Unity Bank has 2 strengths but faces 6 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 5.6% in tier
- - Liquidity Overhang: Bottom 14.6% in tier
- - Return on Assets 3.00% below tier average
- - Efficiency Ratio 70.74% above tier average
- - Non-Interest Income / Assets 0.53% below tier average
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.1M
+44.1% YoY
+12.5% QoQ
|
-$279.4M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.7% in tier |
| Total Loans ? |
$79.3M
+62.7% YoY
+30.8% QoQ
|
-$179.0M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.1% in tier |
| Total Deposits ? |
$85.8M
+66.3% YoY
+16.8% QoQ
|
-$240.9M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.6% in tier |
| Return on Assets ? |
-1.68%
+41.6% YoY
+16.0% QoQ
|
-3.00% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.8% in tier |
| Net Interest Margin ? |
3.02%
-15.6% YoY
+18.7% QoQ
|
-0.97% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio ? |
135.22%
-20.8% YoY
-18.1% QoQ
|
+70.74% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
92.44%
-2.2% YoY
+12.0% QoQ
|
+14.49% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
6.47%
-35.8% YoY
-26.3% QoQ
|
-15.56% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
23.04%
-48.3% YoY
-21.0% QoQ
|
+7.13% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Top 8.9% in tier |
| Non-Interest Income / Assets ? |
0.03%
-12.6% YoY
+77.7% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
6.5%
-3.6pp YoY -2.3pp QoQ |
-15.7pp | 22.1% | 25.9% | 22.2% | 5% |
| Brokered Deposits |
25.6%
+5.3pp YoY +3.9pp QoQ |
+17.8pp | 7.9% | 12.3% | 8.5% | 95% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.7%
+12.8pp YoY +0.7pp QoQ |
+5.2pp | 11.6% | 12.8% | 12.5% | 81% |
| CRE |
65.0%
+11.2pp YoY +5.5pp QoQ |
+25.5pp | 39.5% | 45.9% | 41.4% | 89% |
| 1-4 Family |
19.8%
-23.7pp YoY -6.1pp QoQ |
-12.9pp | 32.6% | 33.6% | 31.3% | 29% |
| Consumer |
0.0%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 4.6% | 5.0% | 3% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.0%
-21.5pp YoY -6.1pp QoQ |
+4.2pp | 18.8% | 26.9% | 19.7% | 85% |
| Leverage Ratio |
19.5%
-9.6pp YoY -1.9pp QoQ |
+7.4pp | 12.2% | 12.3% | 12.6% | 96% |
| Total Capital Ratio |
24.2%
-21.6pp YoY -6.1pp QoQ |
+4.3pp | 19.9% | 27.9% | 20.8% | 86% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
-5 (-26.3%) YoY 0 QoQ |
-45 | 58 | 134 | 482 | 3% |
| Assets per Employee ($) |
$7.7M
+95.5% YoY +12.5% QoQ |
+$134K | $7.5M | $6.8M | $8.8M | 63% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 6.79x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-8.2%
+0.9pp YoY +1.1pp QoQ |
-20.4pp | 12.2% | 11.7% | 11.6% | 1% |
| Cost of Funds (YTD) |
2.8%
+0.2pp YoY 0.0pp QoQ |
+1.1pp | 1.7% | 1.5% | 1.7% | 95% |
| Net Income ($, YTD) |
$-832000.0
+15.5% YoY — QoQ |
-$3.4M | $2.6M | $7.3M | $40.4M | 2% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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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 are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (2)
NIB Deposit Bleed
decline
#10 of 162 • Bottom 5.6% in tier
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
6.47%
(Tier: 22.03%, National: 21.98%)
162 of 162 Community banks match
·
211 nationally
↓ Shrinking
-26 banks QoQ
Liquidity Overhang
risk
#109 of 742 • Bottom 14.6% in tier
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Capital Ratio:
23.04%
(Tier: 15.91%, National: 17.09%)
Loan-to-Deposit Ratio:
92.44%
(Tier: 77.95%, National: 79.03%)
742 of 742 Community banks match
·
940 nationally
→ Stable
+7 banks QoQ
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (3 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 0.92%
#1 of 2633
Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.67%
#1 of 2643
Top 0.1% in $100M-$1B
236
Tier 1 Capital Ratio
capital
Value:
23.04%
Peer Median: 15.91%
#236 of 2643
Top 8.9% in $100M-$1B
Top Weaknesses (9 metrics)
2627
Efficiency Ratio
profitability
Value:
135.22%
Peer Median: 64.48%
#2627 of 2643
Bottom 0.6% in $100M-$1B
2623
Return on Assets
profitability
Value:
-1.68%
Peer Median: 1.32%
#2623 of 2643
Bottom 0.8% in $100M-$1B
2601
Total Deposits
size
Value:
$85.83M
Peer Median: $326.73M
#2601 of 2643
Bottom 1.6% in $100M-$1B
2598
Total Assets
size
Value:
$107.14M
Peer Median: $386.57M
#2598 of 2643
Bottom 1.7% in $100M-$1B
2568
Non-Interest Income / Assets
revenue_mix
Value:
0.03%
Peer Median: 0.57%
#2568 of 2643
Bottom 2.9% in $100M-$1B
2506
Non-Interest-Bearing Deposit Share
funding
Value:
6.47%
Peer Median: 22.03%
#2506 of 2643
Bottom 5.2% in $100M-$1B
2376
Total Loans
size
Value:
$79.34M
Peer Median: $258.35M
#2376 of 2643
Bottom 10.1% in $100M-$1B
2367
Net Interest Margin
profitability
Value:
3.02%
Peer Median: 3.99%
#2367 of 2643
Bottom 10.5% in $100M-$1B
2078
Loan-to-Deposit Ratio
liquidity
Value:
92.44%
Peer Median: 77.95%
#2078 of 2643
Bottom 21.4% in $100M-$1B