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
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 5.49% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,772
-4.2% YoY-2.1% QoQ
|
-4.4K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$172.5M
-1.4% YoY+0.5% QoQ
|
$-59.2M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$100.8M
+7.1% YoY-1.5% QoQ
|
$-43.4M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$149.7M
-1.8% YoY+0.3% QoQ
|
$-51.4M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
41% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-53.3% YoY-18.3% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
3.3%
+14.2% YoY+3.5% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
83.5%
+18.2% YoY+4.7% QoQ
|
+5.5% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
0.8%
+31.8% YoY+59.7% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
67.3%
+9.1% YoY-1.8% QoQ
|
-3.1% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$23,255
+6.0% YoY+1.7% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
23.5%
-1.3% YoY-2.9% QoQ
|
-0.7% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
13.9%
-15.9% YoY-6.6% QoQ
|
+0.1% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)