BlastPoint's Credit Union Scorecard

TAMPA BAY

Charter #352 · FL

1069 CUs in 100M-500M nationally 35 in FL

TAMPA BAY has 9 strengths but faces 6 concerns

National Analysis

How does the industry compare?
FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 15.8% in tier
  • + Organic Growth Engine: Top 59.9% in tier
  • + Net Interest Margin 0.23% above tier average
  • + Strong member growth: 5.7% YoY
  • + Total Loans: Top 0.9% in tier
  • + Total Assets: Top 2.2% in tier
  • + Total Members: Top 2.7% in tier
  • + Total Deposits: Top 3.3% in tier
  • + Member Growth Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 75.3% in tier
  • - Indirect Auto Dependency: Bottom 86.7% in tier
  • - ROA 0.39% below tier average
  • - Delinquency rate 1.24% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 6.3% in tier
  • - Net Charge-Off Rate: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 36,533
+5.7% YoY-0.2% QoQ
 +21.1K 15,437
-2.9% YoY
 72,012
+7.1% YoY
 33,374
+5.7% YoY
 Top 2.8% in tier
Assets $477.9M
+8.1% YoY+0.5% QoQ
 +$246.0M $231.9M
+1.3% YoY
 $1.1B
+9.4% YoY
 $561.6M
+9.7% YoY
 Top 2.2% in tier
Loans $371.6M
+6.8% YoY-0.8% QoQ
 +$224.2M $147.3M
-0.1% YoY
 $808.5M
+10.5% YoY
 $397.0M
+8.8% YoY
 Top 1.0% in tier
Deposits $406.4M
+8.2% YoY-2.4% QoQ
 +$205.6M $200.8M
+0.8% YoY
 $948.9M
+9.7% YoY
 $477.3M
+9.7% YoY
 Top 3.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.4%
-37.0% YoY+50.4% QoQ
 -0.4% 0.8%
+18.2% YoY
 0.6%
+16.0% YoY
 0.7%
+15.9% YoY
 23%
NIM 3.8%
-3.6% YoY+3.2% QoQ
 +0.2% 3.6%
+6.7% YoY
 3.6%
+4.0% YoY
 3.8%
+5.1% YoY
 63%
Efficiency Ratio 75.9%
+1.7% YoY-2.1% QoQ
 -1.1% 77.0%
-3.1% YoY
 77.7%
-2.7% YoY
 79.7%
-3.3% YoY
 44%
Delinquency Rate 2.1%
-4.8% YoY+9.9% QoQ
 +1.2 0.9%
+4.2% YoY
 0.7%
+7.1% YoY
 1.3%
-2.1% YoY
 Top 6.3% in tier
Loan To Share 91.4%
-1.3% YoY+1.7% QoQ
 +19.2% 72.2%
-1.1% YoY
 71.1%
+0.4% YoY
 67.4%
-1.7% YoY
 Top 11.6% in tier
AMR $21,296
+1.7% YoY-1.4% QoQ
 $-3K $24,676
+3.4% YoY
 $22,519
+3.6% YoY
 $19,687
+2.0% YoY
 42%
CD Concentration 27.0%
+6.2% YoY-15.8% QoQ
 +2.6% 24.4% 24.1% 19.8% 50%
Indirect Auto % 15.5%
-11.6% YoY-1.4% QoQ
 +1.7% 13.8% 10.8% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#68 of 426 • Top 15.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.70%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 15.48%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#357 of 595 • Top 59.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.70%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.37%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 15.48%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk
#172 of 228 • Bottom 75.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.42%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 6.81%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#439 of 506 • Bottom 86.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.10%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 15.48%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 5.70%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

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)

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

11
Total Loans
balance_sheet
Value: $371.57M
Peer Median: -
#11 of 1069 Top 0.9% in 100M-500M tier
24
Total Assets
balance_sheet
Value: $477.91M
Peer Median: -
#24 of 1069 Top 2.2% in 100M-500M tier
30
Total Members
engagement
Value: 36,533
Peer Median: -
#30 of 1069 Top 2.7% in 100M-500M tier
36
Total Deposits
balance_sheet
Value: $406.44M
Peer Median: -
#36 of 1069 Top 3.3% in 100M-500M tier
84
Member Growth Rate
growth
Value: 5.70%
Peer Median: -
#84 of 1069 Top 7.8% in 100M-500M tier
124
Loan-to-Share Ratio
balance_sheet
Value: 91.42%
Peer Median: -
#124 of 1069 Top 11.5% in 100M-500M tier
212
Deposit Growth Rate
growth
Value: 8.18%
Peer Median: -
#212 of 1069 Top 19.7% in 100M-500M tier
245
Asset Growth Rate
growth
Value: 8.10%
Peer Median: -
#245 of 1069 Top 22.8% in 100M-500M tier

Top Weaknesses (3 metrics)

1003
Total Delinquency Rate (60+ days)
risk
Value: 2.13%
Peer Median: -
#1003 of 1069 Bottom 6.3% in 100M-500M tier
969
Net Charge-Off Rate
risk
Value: 1.07%
Peer Median: -
#969 of 1069 Bottom 9.4% in 100M-500M tier
827
Return on Assets (ROA)
profitability
Value: 0.37%
Peer Median: -
#827 of 1069 Bottom 22.7% in 100M-500M tier
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