BlastPoint's Credit Union Scorecard
PINELLAS
Charter #10880 · FL
PINELLAS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 6.49% above tier (higher cost structure)
- - Member decline: -5.1% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -3.8% year over year ($147M in shares and deposits).
- Membership: 10,605 members, -5.1% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.57%.
- Efficiency ratio 83.22% vs a 76.73% peer average.
- Loan-to-share ratio 66.60% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,605
-5.1% YoY-1.6% QoQ
|
-4.6K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$170.4M
-2.9% YoY-1.2% QoQ
|
$-61.6M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$98.1M
+4.3% YoY-2.6% QoQ
|
$-48.1M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$147.3M
-3.8% YoY-1.6% QoQ
|
$-53.4M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.6%
-40.9% YoY-9.8% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
3.3%
+11.3% YoY+0.7% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
83.2%
+8.3% YoY-0.4% QoQ
|
+6.5% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.9%
+42.8% YoY+16.6% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
66.6%
+8.4% YoY-1.0% QoQ
|
-4.9% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$23,147
+4.6% YoY-0.5% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
22.6%
-5.8% YoY-3.9% QoQ
|
-1.9% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
12.5%
-18.0% YoY-10.3% QoQ
|
-1.2% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)