BlastPoint's Credit Union Scorecard
FICARE
Charter #13902 · FL
FICARE has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + Fee Income Per Member: Top 2.3% in tier
- + Total Members: Top 3.2% in tier
- + Total Loans: Top 5.2% in tier
- + Total Assets: Top 8.7% in tier
- + Total Deposits: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Efficiency ratio 2.32% above tier (higher cost structure)
- - Member decline: -4.0% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -5.7% year over year ($65.7M in shares and deposits).
- Membership: 8,034 members, -4.0% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.21%.
- Efficiency ratio 91.09% vs a 88.77% peer average.
- Loan-to-share ratio 75.32% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,034
-4.0% YoY-0.3% QoQ
|
+5.4K |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Top 3.2% in tier |
| Assets |
$77.4M
-4.9% YoY-4.6% QoQ
|
+$47.2M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Top 8.8% in tier |
| Loans |
$49.5M
-3.4% YoY-2.5% QoQ
|
+$34.0M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 5.3% in tier |
| Deposits |
$65.7M
-5.7% YoY-5.1% QoQ
|
+$39.9M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Top 9.1% in tier |
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| ROA |
0.2%
-5.7% YoY-75.9% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.3% in tier |
| NIM |
4.7%
+3.5% YoY+4.1% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
91.1%
-1.3% YoY+10.3% QoQ
|
+2.3% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.9%
+27.0% YoY+16.1% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
75.3%
+2.4% YoY+2.7% QoQ
|
+16.4% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$14,334
-0.7% YoY-3.7% QoQ
|
$-629 |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
17.0%
+2.1% YoY+2.0% QoQ
|
-7.5% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
0.7%
-50.0% YoY-16.4% QoQ
|
-12.9% | 13.6% | 10.8% | 7.7% | 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)