BlastPoint's Credit Union Scorecard
PINELLAS
Charter #10880 · FL
PINELLAS has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 92.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 6.7% in tier
- - Membership Headwinds: Bottom 9.4% in tier
- - Indirect Auto Dependency: Bottom 28.7% in tier
- - ROA 0.00% below tier average
- - Efficiency ratio 2.03% above tier (higher cost structure)
- - Member decline: -4.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,065
-4.1% YoY-1.0% QoQ
|
-4.6K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$171.0M
+0.7% YoY-2.6% QoQ
|
$-60.3M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$97.4M
+2.2% YoY+3.5% QoQ
|
$-50.4M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$148.3M
+0.1% YoY-3.2% QoQ
|
$-51.9M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
0.8%
+64.7% YoY-18.3% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.1%
+7.1% YoY+4.3% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
79.3%
-8.4% YoY+3.2% QoQ
|
+2.0% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.5%
-9.4% YoY-26.6% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
65.7%
+2.1% YoY+6.9% QoQ
|
-7.0% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$22,210
+5.3% YoY+0.4% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
24.5%
-3.9% YoY+2.0% QoQ
|
+0.1% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.0%
-9.0% YoY+18.7% QoQ
|
+4.1% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)