BlastPoint's Credit Union Scorecard
TYNDALL
Charter #10754 · FL
TYNDALL has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 42.1% in tier
- - Institutional Decline: Bottom 47.3% in tier
- - Membership Headwinds: Bottom 96.6% in tier
- - Stagnation Risk: Bottom 96.6% in tier
- - Member decline: -7.0% YoY
- - Member Growth Rate: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 5.2% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
103,332
-7.0% YoY+0.5% QoQ
|
+7.3K |
96,048
-2.7% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$1.9B
-2.0% YoY+1.5% QoQ
|
+$195.9M |
$1.7B
+0.4% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$951.3M
-2.3% YoY-1.8% QoQ
|
$-262.4M |
$1.2B
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$1.6B
-3.1% YoY+2.1% QoQ
|
+$169.4M |
$1.5B
+0.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
1.0%
+34.2% YoY-10.1% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
3.0%
+14.0% YoY+12.8% QoQ
|
-0.3% |
3.4%
+6.2% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
63.8%
-6.8% YoY-0.5% QoQ
|
-10.8% |
74.6%
-3.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
0.3%
+26.2% YoY-17.9% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
Top 13.1% in tier |
| Loan To Share |
58.2%
+0.8% YoY-3.8% QoQ
|
-25.0% |
83.2%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.9% in tier |
| AMR |
$25,028
+4.5% YoY+0.1% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
31% |
| CD Concentration |
22.2%
-15.8% YoY-6.5% QoQ
|
-6.6% | 28.8% | 24.4% | 19.8% | 22% |
| Indirect Auto % |
0.5%
-47.6% YoY-13.5% QoQ
|
-17.6% | 18.1% | 10.8% | 7.7% | 16% |
Signature Analysis
Strengths (0)
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)