BlastPoint's Credit Union Scorecard
TYNDALL
Charter #10754 · FL
TYNDALL has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 21.3% in tier
- + Profitability Leader: Top 50.0% in tier
- + ROA 0.54% above tier average
- + Total Delinquency Rate (60+ days): Top 4.9% in tier
- + Members Per Employee (MPE): Top 5.6% in tier
- + Efficiency Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 3.7% in tier
- - Stagnation Risk: Bottom 6.3% in tier
- - Membership Headwinds: Bottom 15.1% in tier
- - Institutional Decline: Bottom 18.6% in tier
- - Member decline: -3.1% YoY
- - Loan-to-Share Ratio: Bottom 7.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
111,093
-3.1% YoY+0.8% QoQ
|
+12.4K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$1.9B
-1.8% YoY-2.7% QoQ
|
+$169.4M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$982.2M
-2.7% YoY+2.2% QoQ
|
$-250.9M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$1.6B
-1.7% YoY-2.3% QoQ
|
+$161.0M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
1.2%
-21.9% YoY+3.5% QoQ
|
+0.5% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Top 11.2% in tier |
| NIM |
2.8%
+12.0% YoY+4.5% QoQ
|
-0.4% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
61.0%
+5.5% YoY-1.8% QoQ
|
-13.0% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
0.2%
-2.4% YoY-26.2% QoQ
|
-0.6 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 4.9% in tier |
| Loan To Share |
60.8%
-1.0% YoY+4.6% QoQ
|
-24.4% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.6% in tier |
| AMR |
$23,381
+1.0% YoY-1.5% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
24.0%
-10.2% YoY-3.6% QoQ
|
-4.9% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
27% |
| Indirect Auto % |
0.7%
-43.5% YoY-16.8% QoQ
|
-18.1% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
16% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)