BlastPoint's Credit Union Scorecard
BAPTIST HEALTH SOUTH FLORIDA
Charter #14391 · FL
BAPTIST HEALTH SOUTH FLORIDA has 8 strengths but faces 2 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
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 1.34% above tier average
- + First Mortgage Concentration (%): Top 1.2% in tier
- + Deposit Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.05% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 5.1% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +10.7% year over year ($123M in shares and deposits).
- Membership: 13,942 members, +2.4% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 1.00%.
- Efficiency ratio 77.79% vs a 76.73% peer average.
- Loan-to-share ratio 81.41% vs a 71.54% 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 |
13,942
+2.4% YoY+0.1% QoQ
|
-1.2K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$140.2M
+10.4% YoY+3.2% QoQ
|
$-91.9M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$100.0M
+7.4% YoY+2.3% QoQ
|
$-46.2M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$122.9M
+10.7% YoY+2.8% QoQ
|
$-77.8M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
1.0%
+37.6% YoY+66.7% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
5.0%
+5.1% YoY-0.3% QoQ
|
+1.3% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
77.8%
-3.3% YoY-0.5% QoQ
|
+1.1% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.6%
-28.2% YoY+30.8% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
81.4%
-3.0% YoY-0.5% QoQ
|
+9.9% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$15,989
+6.6% YoY+2.5% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.0% in tier |
| CD Concentration |
42.8%
+10.9% YoY+2.3% QoQ
|
+18.2% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (4)
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 (<15%). 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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)