BlastPoint's Credit Union Scorecard
SUWANNEE RIVER
Charter #1086 · FL
SUWANNEE RIVER has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,343
-2.1% YoY-0.9% QoQ
|
-272 |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$25.6M
-4.9% YoY-4.4% QoQ
|
$-4.6M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$14.2M
-4.4% YoY-0.1% QoQ
|
$-1.6M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$22.1M
-8.0% YoY-6.4% QoQ
|
$-3.5M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
1.2%
+146.6% YoY-4.6% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.3%
+14.4% YoY+1.3% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
76.4%
+0.6% YoY+4.4% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.1%
-31.5% YoY-27.8% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
64.1%
+3.9% YoY+6.7% QoQ
|
+3.5% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$15,513
-4.6% YoY-3.2% QoQ
|
+$730 |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
3.2%
+6.5% YoY+5.1% QoQ
|
-21.2% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)