BAPTIST HEALTH SOUTH FLORIDA
Charter #14391 | FL
100M-500M
(1077 CUs)
Micro
($0-$500M)
35 100M-500M in FL
BAPTIST HEALTH SOUTH FLORIDA has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 13.2% in tier
- + Organic Growth Leader: Top 16.5% in tier
- + Organic Growth Engine: Top 17.0% in tier
- + Wallet Share Momentum: Top 17.7% in tier
- + Relationship Depth Leader: Top 31.4% in tier
- + Net Interest Margin 1.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 25.1% in tier
- - Credit Quality Pressure: Bottom 26.7% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 1.59% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
- - Net Charge-Off Rate: Bottom 8.4% in tier
- - Share Certificate Concentration (%): Bottom 9.0% in tier
- - Average Member Relationship (AMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,795
+2.5% YoY+1.3% QoQ
|
-1.8K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$127.0M
+8.7% YoY+0.0% QoQ
|
$-104.3M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.6% in tier |
| Loans |
$94.5M
+5.4% YoY+1.4% QoQ
|
$-53.3M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
31st in tier |
| Deposits |
$111.2M
+9.4% YoY+0.3% QoQ
|
$-89.0M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.6% in tier |
| ROA |
0.7%
+23.6% YoY-8.4% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
43rd in tier |
| NIM |
4.9%
-1.4% YoY+2.9% QoQ
|
+1.3% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
78.9%
+0.8% YoY-1.9% QoQ
|
+1.6% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
56th in tier |
| Delinquency Rate |
0.9%
+3.0% YoY+4.6% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
84.9%
-3.6% YoY+1.2% QoQ
|
+12.2% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$14,914
+4.9% YoY-0.5% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.3% in tier |
| CD Concentration |
39.2%
+27.8% YoY+1.5% QoQ
|
+14.8% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#248 of 627 • Top 13.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.66%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.46%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#219 of 430 • Top 16.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.46%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#312 of 603 • Top 17.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.46%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.66%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#489 of 1006 • Top 17.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.91%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#866 of 1006 • Top 31.4% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.91%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.1K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (2)
Growth-at-Risk
risk
#377 of 446 • Bottom 25.1% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
5.37%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.03% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#661 of 736 • Bottom 26.7% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.03% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
13
First Mortgage Concentration (%)
balance_sheet
Value:
0.12%
Peer Avg: 30.43%
#13 of 1077
Top 1.1% in 100M-500M tier
38
Net Interest Margin (NIM)
profitability
Value:
4.92%
Peer Avg: 3.58%
#38 of 1077
Top 3.4% in 100M-500M tier
147
Deposit Growth Rate
growth
Value:
9.36%
Peer Avg: 4.69%
#147 of 1077
Top 13.6% in 100M-500M tier
183
Asset Growth Rate
growth
Value:
8.71%
Peer Avg: 4.70%
#183 of 1077
Top 16.9% in 100M-500M tier
265
Member Growth Rate
growth
Value:
2.46%
Peer Avg: 0.72%
#265 of 1077
Top 24.5% in 100M-500M tier
Top Weaknesses (7 metrics)
987
Net Charge-Off Rate
risk
Value:
1.07%
Peer Avg: 0.47%
#987 of 1077
Bottom 8.4% in 100M-500M tier
981
Share Certificate Concentration (%)
balance_sheet
Value:
39.17%
Peer Avg: 23.61%
#981 of 1077
Bottom 9.0% in 100M-500M tier
977
Average Member Relationship (AMR)
engagement
Value:
$14,914
Peer Avg: $24,363
#977 of 1077
Bottom 9.4% in 100M-500M tier
877
Total Assets
balance_sheet
Value:
$127.02M
Peer Avg: $231.30M
#877 of 1077
Bottom 18.7% in 100M-500M tier
877
Total Deposits
balance_sheet
Value:
$111.24M
Peer Avg: $200.29M
#877 of 1077
Bottom 18.7% in 100M-500M tier
853
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,850
Peer Avg: $10,245
#853 of 1077
Bottom 20.9% in 100M-500M tier
813
Members Per Employee (MPE)
engagement
Value:
265.288
Peer Avg: 332.881
#813 of 1077
Bottom 24.6% in 100M-500M tier