BlastPoint's Credit Union Scorecard

KEYS

Charter #4135 · FL

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

KEYS has 1 strength but faces 7 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

  • + Net Interest Margin 1.11% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 51.5% in tier
  • - Flatlined Growth: Bottom 72.5% in tier
  • - Shrinking Wallet Share: Bottom 92.8% in tier
  • - ROA 0.25% below tier average
  • - Delinquency rate 0.71% above tier average
  • - Net Charge-Off Rate: Bottom 3.6% in tier
  • - Deposit Growth 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 18,296
-0.3% YoY-0.1% QoQ
 +2.9K 15,437
-2.9% YoY
 72,012
+7.1% YoY
 33,374
+5.7% YoY
 70%
Assets $249.8M
+0.3% YoY-0.1% QoQ
 +$17.9M $231.9M
+1.3% YoY
 $1.1B
+9.4% YoY
 $561.6M
+9.7% YoY
 63%
Loans $177.2M
-0.2% YoY-0.4% QoQ
 +$29.9M $147.3M
-0.1% YoY
 $808.5M
+10.5% YoY
 $397.0M
+8.8% YoY
 70%
Deposits $216.2M
-1.9% YoY+0.0% QoQ
 +$15.4M $200.8M
+0.8% YoY
 $948.9M
+9.7% YoY
 $477.3M
+9.7% YoY
 63%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.5%
-51.3% YoY+18.3% QoQ
 -0.3% 0.8%
+18.2% YoY
 0.6%
+16.0% YoY
 0.7%
+15.9% YoY
 32%
NIM 4.7%
+7.6% YoY+1.0% QoQ
 +1.1% 3.6%
+6.7% YoY
 3.6%
+4.0% YoY
 3.8%
+5.1% YoY
 Top 6.0% in tier
Efficiency Ratio 71.2%
-1.9% YoY+1.1% QoQ
 -5.8% 77.0%
-3.1% YoY
 77.7%
-2.7% YoY
 79.7%
-3.3% YoY
 28%
Delinquency Rate 1.6%
-20.5% YoY-9.4% QoQ
 +0.7 0.9%
+4.2% YoY
 0.7%
+7.1% YoY
 1.3%
-2.1% YoY
 Top 11.8% in tier
Loan To Share 82.0%
+1.7% YoY-0.4% QoQ
 +9.7% 72.2%
-1.1% YoY
 71.1%
+0.4% YoY
 67.4%
-1.7% YoY
 69%
AMR $21,505
-0.8% YoY-0.1% QoQ
 $-3K $24,676
+3.4% YoY
 $22,519
+3.6% YoY
 $19,687
+2.0% YoY
 44%
CD Concentration 20.4%
+10.8% YoY+4.6% QoQ
 -4.0% 24.4% 24.1% 19.8% 50%
Indirect Auto % 1.1%
-48.7% YoY-17.4% QoQ
 -12.6% 13.8% 10.8% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Deposit Outflow

decline
#36 of 69 • Bottom 51.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.86%
(Tier: 5.05%, National: 13.79%)
worse than tier avg
Member Growth (YoY): -0.35%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally
→ No prior data (69 CUs now) | New qualifier

Flatlined Growth

risk
#30 of 41 • Bottom 72.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature
Asset Growth (YoY): 0.32%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Return on Assets: 0.51%
(Tier: 0.75%, National: 0.67%)
worse than tier avg
41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally
→ No prior data (41 CUs now) | New qualifier

Shrinking Wallet Share

decline
#193 of 208 • Bottom 92.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.78%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | Rank worsening

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 (1 metrics)

64
Net Interest Margin (NIM)
profitability
Value: 4.72%
Peer Median: -
#64 of 1069 Top 5.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1031
Net Charge-Off Rate
risk
Value: 1.65%
Peer Median: -
#1031 of 1069 Bottom 3.6% in 100M-500M tier
970
Deposit Growth Rate
growth
Value: -1.86%
Peer Median: -
#970 of 1069 Bottom 9.4% in 100M-500M tier
944
Total Delinquency Rate (60+ days)
risk
Value: 1.61%
Peer Median: -
#944 of 1069 Bottom 11.8% in 100M-500M tier
910
AMR Growth Rate
growth
Value: -0.78%
Peer Median: -
#910 of 1069 Bottom 15.0% in 100M-500M tier
893
Asset Growth Rate
growth
Value: 0.32%
Peer Median: -
#893 of 1069 Bottom 16.6% in 100M-500M tier
Link copied to clipboard!