BlastPoint's Credit Union Scorecard
TYNDALL
Charter #10754 · FL
TYNDALL has 2 strengths but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 37.7% in tier
- + ROA 0.47% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 10.3% in tier
- - Membership Headwinds: Bottom 10.7% in tier
- - Stagnation Risk: Bottom 20.2% in tier
- - Flatlined Growth: Bottom 45.5% in tier
- - Credit Quality Pressure: Bottom 68.6% in tier
- - Member decline: -10.8% YoY
- - Member Growth Rate: Bottom 4.0% in tier
- - Deposit Growth Rate: Bottom 6.6% in tier
- - Loan-to-Share Ratio: Bottom 7.6% in tier
- - Loan Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
102,768
-10.8% YoY-7.5% QoQ
|
+5.3K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$1.9B
-0.3% YoY-0.1% QoQ
|
+$163.9M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$968.5M
-3.1% YoY-1.4% QoQ
|
$-266.0M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$1.6B
-2.8% YoY-0.9% QoQ
|
+$141.5M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
1.2%
+17.6% YoY-7.6% QoQ
|
+0.5% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Top 14.2% in tier |
| NIM |
2.7%
+29.7% YoY-5.1% QoQ
|
-0.6% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
64.1%
-6.0% YoY+5.1% QoQ
|
-9.9% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate |
0.3%
+31.3% YoY+78.5% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
60.5%
-0.2% YoY-0.5% QoQ
|
-24.3% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.3% in tier |
| AMR |
$25,001
+8.8% YoY+6.9% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
23.8%
-13.0% YoY-1.0% QoQ
|
-5.3% | 29.0% | 24.1% | 19.8% | 27% |
| Indirect Auto % |
0.6%
-45.4% YoY-14.9% QoQ
|
-17.7% | 18.3% | 10.8% | 7.8% | 16% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)