BlastPoint's Banking Scorecard

Community Unity Bank

under $100M Specialty: Commercial MI FDIC cert 59305

Designations: ✓ Community bank

Birmingham, MI

541 banks in the under $100M peer group nationally 8 in MI

Community Unity Bank has 2 strengths but faces 3 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 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.83% below tier average
- Net Interest Margin 1.32% below tier average
- Efficiency Ratio 76.67% above tier average

Get updates when Community Unity Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$95.2M +42.0% YoY +0.2% QoQ	+$33.1M	$62.2M -0.6% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	Top 5.7% in tier
Total Loans ?	$60.7M +51.1% YoY +13.4% QoQ	+$26.4M	$34.2M -1.4% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	Top 11.3% in tier
Total Deposits ?	$73.5M +67.7% YoY +1.0% QoQ	+$21.8M	$51.7M -0.7% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	-2.00% +26.3% YoY +35.7% QoQ	-2.83%	0.84% -2.3% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	Bottom 4.8% in tier
Net Interest Margin ?	2.54% -29.3% YoY -25.4% QoQ	-1.32%	3.86% +2.8% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Bottom 7.4% in tier
Efficiency Ratio ?	165.01% -4.3% YoY -9.8% QoQ	+76.67%	88.34% +0.3% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Bottom 3.3% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	82.53% -9.9% YoY +12.2% QoQ	+18.32%	64.22% -0.7% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	8.78% +17.1% YoY +48.4% QoQ	-14.94%	23.71% +0.3% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Bottom 13.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	29.17% -39.7% YoY -20.9% QoQ	+2.49%	26.68% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.02% -20.2% YoY -81.6% QoQ	-0.65%	0.67% +1.9% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Bottom 11.8% in tier

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Total Assets

size

Value: $95.22M

Peer Median: $62.16M

#32 of 541 Top 5.7% in under $100M

Total Loans

size

Value: $60.67M

Peer Median: $34.25M

#62 of 541 Top 11.3% in under $100M

Tier 1 Capital Ratio

capital

Value: 29.17%

Peer Median: 26.68%

#86 of 541 Top 15.7% in under $100M

113

Total Deposits

size

Value: $73.51M

Peer Median: $51.74M

#113 of 541 Top 20.7% in under $100M

Top Weaknesses (6 metrics)

524

Efficiency Ratio

profitability

Value: 165.01%

Peer Median: 88.34%

#524 of 541 Bottom 3.3% in under $100M

516

Return on Assets

profitability

Value: -2.00%

Peer Median: 0.84%

#516 of 541 Bottom 4.8% in under $100M

502

Net Interest Margin

profitability

Value: 2.54%

Peer Median: 3.86%

#502 of 541 Bottom 7.4% in under $100M

478

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#478 of 541 Bottom 11.8% in under $100M

468

Non-Interest-Bearing Deposit Share

funding

Value: 8.78%

Peer Median: 23.71%

#468 of 541 Bottom 13.7% in under $100M

414

Loan-to-Deposit Ratio

liquidity

Value: 82.53%

Peer Median: 64.22%

#414 of 541 Bottom 23.7% in under $100M