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 0.72% above tier average
- + Total Members: Top 3.7% in tier
- + Total Loans: Top 5.8% in tier
- + Fee Income Per Member: Top 7.0% in tier
- + Total Assets: Top 8.2% in tier
- + Total Deposits: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 10.24% above tier (higher cost structure)
- - Member decline: -5.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,017
-5.2% YoY-1.2% QoQ
|
+5.4K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 3.7% in tier |
| Assets |
$78.9M
-1.4% YoY-1.9% QoQ
|
+$48.7M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 8.2% in tier |
| Loans |
$49.7M
-6.3% YoY-1.3% QoQ
|
+$33.9M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 5.8% in tier |
| Deposits |
$67.0M
-2.0% YoY-2.2% QoQ
|
+$41.4M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 8.3% in tier |
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| ROA |
0.1%
-25.0% YoY-14.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
4.7%
+1.6% YoY+2.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
92.8%
+2.5% YoY+0.6% QoQ
|
+10.2% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.5%
+219.2% YoY+80.1% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
74.1%
-4.4% YoY+1.0% QoQ
|
+13.4% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$14,557
+1.4% YoY-0.6% QoQ
|
$-225 |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
16.9%
-3.5% YoY+2.1% QoQ
|
-7.6% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
1.1%
-42.1% YoY-13.1% QoQ
|
-12.7% | 13.8% | 10.8% | 7.8% | 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)