BlastPoint's Credit Union Scorecard
FARMERS
Charter #26 · FL
FARMERS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.65% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Loan-to-Share Ratio: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,144
-2.3% YoY-1.5% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$21.8M
+4.4% YoY-0.1% QoQ
|
$-8.3M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$5.7M
-6.9% YoY-5.1% QoQ
|
$-10.1M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$19.5M
+4.7% YoY-0.2% QoQ
|
$-6.2M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.7%
+84.8% YoY-8.0% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.3%
+12.8% YoY+1.3% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
84.2%
-4.5% YoY+2.2% QoQ
|
+1.6% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.0%
-56.9% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.9% in tier |
| Loan To Share |
29.1%
-11.1% YoY-4.9% QoQ
|
-31.5% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.5% in tier |
| AMR |
$21,958
+4.2% YoY+0.2% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 14.9% in tier |
| CD Concentration |
20.9%
+16.2% YoY-0.3% QoQ
|
-3.5% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)