BlastPoint's Credit Union Scorecard
FLORENCE
Charter #13167 · AL
FLORENCE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 5.37% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
- - Member decline: -2.4% YoY
- - First Mortgage Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,982
-2.4% YoY-3.0% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$67.1M
-1.1% YoY+0.4% QoQ
|
+$37.2M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 13.3% in tier |
| Loans |
$27.1M
-10.5% YoY-3.3% QoQ
|
+$11.3M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$58.1M
-1.1% YoY-0.2% QoQ
|
+$32.6M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 12.8% in tier |
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| ROA |
0.4%
+24.9% YoY-16.7% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
3.3%
+12.1% YoY+1.3% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
86.8%
-0.6% YoY+1.9% QoQ
|
+5.4% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.6%
+70.1% YoY-21.8% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
46.6%
-9.5% YoY-3.1% QoQ
|
-14.6% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$21,380
-1.9% YoY+1.8% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
24.6%
-3.0% YoY+1.8% QoQ
|
+0.2% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)