TYNDALL
Charter #10754 | FL
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
18 1B-3B in FL
TYNDALL has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 30.8% in tier
- + Wallet Share Momentum: Top 34.1% 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
- - Liquidity Overhang: Bottom 8.7% 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
|
68th in tier |
| 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
|
66th in tier |
| 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
|
36th in tier |
| 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
|
65th in tier |
| 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
|
Bottom 21.4% in tier |
| 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
|
Bottom 23.4% in tier |
| CD Concentration |
24.0%
-10.2% YoY-3.6% QoQ
|
-5.0% |
29.0%
+0.8% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
27th in tier |
| Indirect Auto % |
0.7%
-43.5% YoY-16.8% QoQ
|
-18.1% |
18.8%
-2.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 16.1% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#223 of 264 • Top 30.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.03%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$2.9K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#247 of 264 • Top 34.1% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.03%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Concerns (5)
Margin Compression
decline
#4 of 24 • Bottom 3.7% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.25%
(Tier:
0.71%, National:
0.71%)
ROA Change (YoY):
-0.35% points
(Tier:
0.07% points, National:
0.05% points)
Total Assets:
$1.89B
(Tier: $1.72B, National: $547.69M)
24 of 380 Mid-Market CUs have this signature
| 169 nationally
↓ Shrinking
-16 CUs YoY
|
New qualifier
Stagnation Risk
risk
#16 of 85 • Bottom 6.3% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.25%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
-3.06%
(Tier:
3.18%, National:
9.37%)
Avg Member Relationship:
$23.4K
(Tier: $29.2K, National: $19.4K)
CD Concentration:
24.02%
(Tier:
28.98%, National:
19.60%)
85 of 380 Mid-Market CUs have this signature
| 648 nationally
↑ Growing
+6 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#29 of 113 • Bottom 8.7% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.97%
(Tier:
11.30%, National:
14.51%)
Loan-to-Share Ratio:
60.81%
(Tier:
86.35%, National:
67.96%)
113 of 380 Mid-Market CUs have this signature
| 691 nationally
↑ Growing
+9 CUs YoY
|
Rank improving
Membership Headwinds
decline
#37 of 85 • Bottom 15.1% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-3.06%
(Tier:
3.18%, National:
9.37%)
85 of 380 Mid-Market CUs have this signature
| 648 nationally
↑ Growing
+6 CUs YoY
|
New qualifier
Institutional Decline
decline
#20 of 31 • Bottom 18.6% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$1.89B
(Tier: $1.72B, National: $547.69M)
Member Growth (YoY):
-3.06%
(Tier:
3.18%, National:
9.37%)
Loan Growth (YoY):
-2.66%
(Tier:
6.14%, National:
36.38%)
31 of 380 Mid-Market CUs have this signature
| 293 nationally
↓ Shrinking
-6 CUs YoY
|
New qualifier
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)
Top Strengths (6 metrics)
16
Total Delinquency Rate (60+ days)
risk
Value:
0.19%
Peer Avg: 0.83%
#16 of 304
Top 4.9% in 1B-3B tier
18
Members Per Employee (MPE)
engagement
Value:
495.951
Peer Avg: 364.953
#18 of 304
Top 5.6% in 1B-3B tier
27
Efficiency Ratio
profitability
Value:
61.01%
Peer Avg: 73.97%
#27 of 304
Top 8.6% in 1B-3B tier
34
Return on Assets (ROA)
profitability
Value:
1.25%
Peer Avg: 0.70%
#34 of 304
Top 10.9% in 1B-3B tier
55
Indirect Auto Concentration (%)
balance_sheet
Value:
0.66%
Peer Avg: 18.32%
#55 of 304
Top 17.8% in 1B-3B tier
56
Net Worth Ratio
risk
Value:
12.97%
Peer Avg: 11.44%
#56 of 304
Top 18.1% in 1B-3B tier
Top Weaknesses (10 metrics)
281
Loan-to-Share Ratio
balance_sheet
Value:
60.81%
Peer Avg: 85.19%
#281 of 304
Bottom 7.9% in 1B-3B tier
275
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,841
Peer Avg: $13,213
#275 of 304
Bottom 9.9% in 1B-3B tier
273
Deposit Growth Rate
growth
Value:
-1.70%
Peer Avg: 5.58%
#273 of 304
Bottom 10.5% in 1B-3B tier
271
Asset Growth Rate
growth
Value:
-1.77%
Peer Avg: 4.83%
#271 of 304
Bottom 11.2% in 1B-3B tier
268
Member Growth Rate
growth
Value:
-3.06%
Peer Avg: 2.20%
#268 of 304
Bottom 12.2% in 1B-3B tier
264
Loan Growth Rate
growth
Value:
-2.66%
Peer Avg: 5.27%
#264 of 304
Bottom 13.5% in 1B-3B tier
240
First Mortgage Concentration (%)
balance_sheet
Value:
44.66%
Peer Avg: 34.01%
#240 of 304
Bottom 21.4% in 1B-3B tier
239
Net Interest Margin (NIM)
profitability
Value:
2.82%
Peer Avg: 3.26%
#239 of 304
Bottom 21.7% in 1B-3B tier
239
Fee Income Per Member
profitability
Value:
$158.84
Peer Avg: $210.52
#239 of 304
Bottom 21.7% in 1B-3B tier
233
Average Member Relationship (AMR)
engagement
Value:
$23,381
Peer Avg: $29,172
#233 of 304
Bottom 23.7% in 1B-3B tier