BlastPoint's Credit Union Scorecard
BAPTIST HEALTH SOUTH FLORIDA
Charter #14391 · FL
BAPTIST HEALTH SOUTH FLORIDA has 5 strengths but faces 6 concerns
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
- + Net Interest Margin 1.41% above tier average
- + First Mortgage Concentration (%): Top 1.0% 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
- - Efficiency ratio 0.26% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Share Certificate Concentration (%): Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,849
+3.0% YoY+0.4% QoQ
|
-1.6K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$127.2M
+7.5% YoY+0.2% QoQ
|
$-104.6M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$97.2M
+6.9% YoY+2.9% QoQ
|
$-50.1M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$111.1M
+7.7% YoY-0.2% QoQ
|
$-89.7M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
0.7%
+106.7% YoY+10.0% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
5.0%
+3.3% YoY+2.0% QoQ
|
+1.4% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
77.3%
-2.2% YoY-2.0% QoQ
|
+0.3% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.0%
+36.5% YoY+5.7% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
87.5%
-0.8% YoY+3.0% QoQ
|
+15.3% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$15,038
+4.2% YoY+0.8% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.6% in tier |
| CD Concentration |
41.0%
+15.3% YoY+4.6% QoQ
|
+16.6% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)