BlastPoint's Credit Union Scorecard

BAPTIST HEALTH SOUTH FLORIDA

Charter #14391 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

BAPTIST HEALTH SOUTH FLORIDA has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

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 1.2% in tier

Key Concerns

Areas that may need attention

- ROA 0.13% below tier average
- Efficiency ratio 0.18% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 5.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	13,934 +2.1% YoY+0.6% QoQ	-1.2K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	54%
Assets	$135.8M +6.2% YoY+6.8% QoQ	$-95.9M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	24%
Loans	$97.8M +8.1% YoY+0.6% QoQ	$-46.3M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	35%
Deposits	$119.5M +6.2% YoY+7.6% QoQ	$-81.7M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +59.6% YoY-18.1% QoQ	-0.1%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	42%
NIM	5.0% +5.2% YoY+0.4% QoQ	+1.4%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	Top 2.4% in tier
Efficiency Ratio	78.2% -3.7% YoY+1.2% QoQ	+0.2%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	0.5% -49.5% YoY-50.4% QoQ	-0.3	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	39%
Loan To Share	81.9% +1.8% YoY-6.5% QoQ	+11.4%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	73%
AMR	$15,594 +4.8% YoY+3.7% QoQ	$-9K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Bottom 11.3% in tier
CD Concentration	41.8% +17.3% YoY+2.1% QoQ	+17.6%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#197 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.60%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#219 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#150 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.60%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.11%

Peer Median: 29.47%

#14 of 1070 Top 1.2% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.04%

Peer Median: 3.62%

#26 of 1070 Top 2.3% in 100M-500M tier

254

Loan Growth Rate

growth

Value: 8.09%

Peer Median: 2.93%

#254 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1011

Share Certificate Concentration (%)

balance_sheet

Value: 41.83%

Peer Median: 23.10%

#1011 of 1070 Bottom 5.6% in 100M-500M tier

949

Average Member Relationship (AMR)

engagement

Value: $15,594

Peer Median: $22,931

#949 of 1070 Bottom 11.4% in 100M-500M tier

906

Net Charge-Off Rate

risk

Value: 0.84%

Peer Median: 0.35%

#906 of 1070 Bottom 15.4% in 100M-500M tier

819

Total Assets

balance_sheet

Value: $135.83M

Peer Median: $196.57M

#819 of 1070 Bottom 23.6% in 100M-500M tier

816

Loan-to-Member Ratio (LMR)

engagement

Value: $7,019

Peer Median: $9,356

#816 of 1070 Bottom 23.8% in 100M-500M tier

815

Total Deposits

balance_sheet

Value: $119.48M

Peer Median: $171.29M

#815 of 1070 Bottom 23.9% in 100M-500M tier