BlastPoint's Credit Union Scorecard

BROWARD HEALTHCARE

Charter #11746 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

BROWARD HEALTHCARE has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 1.25% above tier average
+ Strong member growth: 42.1% YoY
+ Loan Growth Rate: Top 0.4% in tier
+ Member Growth Rate: Top 0.7% in tier
+ Deposit Growth Rate: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Delinquency rate 0.24% above tier average
- Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
- Loan-to-Share Ratio: Bottom 5.1% in tier
- Total Loans: Bottom 6.6% in tier
- Average Member Relationship (AMR): Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	11,846 +42.1% YoY+42.3% QoQ	-3.3K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	44%
Assets	$134.6M +39.3% YoY+38.9% QoQ	$-97.1M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	22%
Loans	$52.1M +55.6% YoY+57.4% QoQ	$-92.1M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Bottom 6.5% in tier
Deposits	$125.6M +40.3% YoY+41.6% QoQ	$-75.6M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.0% +1602.4% YoY+916.7% QoQ	+1.3%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	Top 4.0% in tier
NIM	3.2% +23.1% YoY+16.7% QoQ	-0.5%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	63.5% -35.4% YoY-34.0% QoQ	-14.5%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	Top 12.5% in tier
Delinquency Rate	1.0% +758.1% YoY+59.5% QoQ	+0.2	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	76%
Loan To Share	41.5% +10.9% YoY+11.2% QoQ	-29.0%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	Bottom 5.0% in tier
AMR	$14,993 +1.7% YoY+2.6% QoQ	$-10K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Bottom 8.7% in tier
CD Concentration	25.1% +13.2% YoY+6.6% QoQ	+0.9%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#2 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 42.06%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.98%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#3 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 42.06%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#3 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.98%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 42.06%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#2 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 55.59%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.90% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#37 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.90% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 55.59%

Peer Median: 2.93%

#5 of 1070 Top 0.4% in 100M-500M tier

Member Growth Rate

growth

Value: 42.06%

Peer Median: -0.06%

#8 of 1070 Top 0.7% in 100M-500M tier

Deposit Growth Rate

growth

Value: 40.32%

Peer Median: 3.30%

#8 of 1070 Top 0.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 39.26%

Peer Median: 3.91%

#9 of 1070 Top 0.7% in 100M-500M tier

Fee Income Per Member

profitability

Value: $367.19

Peer Median: $154.95

#22 of 1070 Top 2.0% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.98%

Peer Median: 0.69%

#43 of 1070 Top 3.9% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 493.583

Peer Median: 309.176

#65 of 1070 Top 6.0% in 100M-500M tier

135

Efficiency Ratio

profitability

Value: 63.51%

Peer Median: 78.68%

#135 of 1070 Top 12.5% in 100M-500M tier

Top Weaknesses (9 metrics)

1037

Loan-to-Member Ratio (LMR)

engagement

Value: $4,394

Peer Median: $9,356

#1037 of 1070 Bottom 3.2% in 100M-500M tier

1016

Loan-to-Share Ratio

balance_sheet

Value: 41.46%

Peer Median: 71.88%

#1016 of 1070 Bottom 5.1% in 100M-500M tier

1000

Total Loans

balance_sheet

Value: $52.05M

Peer Median: $121.41M

#1000 of 1070 Bottom 6.6% in 100M-500M tier

977

Average Member Relationship (AMR)

engagement

Value: $14,993

Peer Median: $22,931

#977 of 1070 Bottom 8.8% in 100M-500M tier

923

Net Charge-Off Rate

risk

Value: 0.90%

Peer Median: 0.35%

#923 of 1070 Bottom 13.8% in 100M-500M tier

831

Net Interest Margin (NIM)

profitability

Value: 3.15%

Peer Median: 3.62%

#831 of 1070 Bottom 22.4% in 100M-500M tier

829

Total Assets

balance_sheet

Value: $134.60M

Peer Median: $196.57M

#829 of 1070 Bottom 22.6% in 100M-500M tier

820

Total Delinquency Rate (60+ days)

risk

Value: 1.02%

Peer Median: 0.61%

#820 of 1070 Bottom 23.5% in 100M-500M tier

807

Net Worth Ratio

risk

Value: 9.73%

Peer Median: 11.45%

#807 of 1070 Bottom 24.7% in 100M-500M tier