BlastPoint's Credit Union Scorecard

FLORENCE

Charter #13167 · AL

<100M

2508 CUs in <100M nationally 53 in AL

FLORENCE has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.12% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 1.11% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	3,930 -1.9% YoY-0.5% QoQ	+1.3K	2,676 +1.6% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	78%
Assets	$66.6M -3.9% YoY-0.0% QoQ	+$36.4M	$30.2M +1.3% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	Top 13.6% in tier
Loans	$26.1M -10.1% YoY-2.5% QoQ	+$10.8M	$15.3M -2.0% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	79%
Deposits	$57.9M -4.0% YoY-0.1% QoQ	+$32.1M	$25.8M +0.7% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	Top 13.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +3.5% YoY-36.2% QoQ	+0.1%	0.1% -77.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	33%
NIM	3.3% +8.0% YoY-0.6% QoQ	-0.7%	4.0% +4.0% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	91.7% +0.3% YoY+6.0% QoQ	+1.1%	90.6% +6.5% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.8% -58.9% YoY-46.7% QoQ	-0.7	1.5% +3.8% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	56%
Loan To Share	45.1% -6.4% YoY-2.4% QoQ	-13.4%	58.5% -3.0% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	29%
AMR	$21,370 -4.2% YoY-0.4% QoQ	+$6K	$14,884 -1.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	82%
CD Concentration	24.9% +2.1% YoY-1.2% QoQ	+0.7%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

334

Total Deposits

balance_sheet

Value: $57.90M

Peer Median: $18.77M

#334 of 2508 Top 13.3% in <100M tier

340

Total Assets

balance_sheet

Value: $66.56M

Peer Median: $21.86M

#340 of 2508 Top 13.5% in <100M tier

441

Average Member Relationship (AMR)

engagement

Value: $21,370

Peer Median: $13,926

#441 of 2508 Top 17.5% in <100M tier

527

Total Loans

balance_sheet

Value: $26.09M

Peer Median: $9.48M

#527 of 2508 Top 21.0% in <100M tier

540

Total Members

engagement

Value: 3,930

Peer Median: 1,918

#540 of 2508 Top 21.5% in <100M tier

Top Weaknesses (7 metrics)

2341

First Mortgage Concentration (%)

balance_sheet

Value: 53.90%

Peer Median: 3.66%

#2341 of 2508 Bottom 6.7% in <100M tier

2051

Asset Growth Rate

growth

Value: -3.92%

Peer Median: 1.30%

#2051 of 2508 Bottom 18.3% in <100M tier

2024

Members Per Employee (MPE)

engagement

Value: 218.333

Peer Median: 333.750

#2024 of 2508 Bottom 19.3% in <100M tier

2009

AMR Growth Rate

growth

Value: -4.15%

Peer Median: 1.27%

#2009 of 2508 Bottom 19.9% in <100M tier

1958

Loan Growth Rate

growth

Value: -10.13%

Peer Median: -2.36%

#1958 of 2508 Bottom 22.0% in <100M tier

1938

Deposit Growth Rate

growth

Value: -3.97%

Peer Median: 0.66%

#1938 of 2508 Bottom 22.8% in <100M tier

1882

Share Certificate Concentration (%)

balance_sheet

Value: 24.94%

Peer Median: 12.45%

#1882 of 2508 Bottom 25.0% in <100M tier