BlastPoint's Credit Union Scorecard

T M H

Charter #15175 · FL

<100M

2508 CUs in <100M nationally 35 in FL

T M H has 5 strengths but faces 1 concern

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.16% above tier average
+ Total Loans: Top 1.4% in tier
+ Total Members: Top 2.5% in tier
+ Total Deposits: Top 3.1% in tier
+ Total Assets: Top 4.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	8,620 -0.2% YoY-0.2% QoQ	+5.9K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Top 2.6% in tier
Assets	$89.0M +3.0% YoY+1.3% QoQ	+$58.8M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	Top 4.4% in tier
Loans	$60.2M -1.6% YoY-2.7% QoQ	+$44.9M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Top 1.4% in tier
Deposits	$79.3M +3.2% YoY+1.5% QoQ	+$53.5M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	Top 3.1% in tier

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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	0.3% -39.3% YoY-32.9% QoQ	+0.2%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	35%
NIM	3.8% +1.0% YoY-0.1% QoQ	-0.2%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	87.8% +11.9% YoY+7.4% QoQ	-2.8%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	0.4% +12.1% YoY-38.6% QoQ	-1.1	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	41%
Loan To Share	75.9% -4.7% YoY-4.2% QoQ	+17.4%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	76%
AMR	$16,189 +1.3% YoY-0.1% QoQ	+$1K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	62%
CD Concentration	18.6% +6.7% YoY+1.6% QoQ	-5.7%	24.3%	24.4%	19.8%	50%
Indirect Auto %	18.3% -0.0% YoY+1.9% QoQ	+4.5%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2508 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $60.23M

Peer Median: $9.48M

#35 of 2508 Top 1.4% in <100M tier

Total Members

engagement

Value: 8,620

Peer Median: 1,918

#64 of 2508 Top 2.5% in <100M tier

Total Deposits

balance_sheet

Value: $79.33M

Peer Median: $18.77M

#79 of 2508 Top 3.1% in <100M tier

110

Total Assets

balance_sheet

Value: $89.02M

Peer Median: $21.86M

#110 of 2508 Top 4.3% in <100M tier

287

Fee Income Per Member

profitability

Value: $149.80

Peer Median: $60.42

#287 of 2508 Top 11.4% in <100M tier

596

Loan-to-Share Ratio

balance_sheet

Value: 75.92%

Peer Median: 58.72%

#596 of 2508 Top 23.7% in <100M tier

Top Weaknesses (3 metrics)

2362

Indirect Auto Concentration (%)

balance_sheet

Value: 18.35%

Peer Median: 0.00%

#2362 of 2508 Bottom 5.9% in <100M tier

2211

Net Charge-Off Rate

risk

Value: 1.18%

Peer Median: 0.07%

#2211 of 2508 Bottom 11.9% in <100M tier

2092

Net Worth Ratio

risk

Value: 9.92%

Peer Median: 14.28%

#2092 of 2508 Bottom 16.6% in <100M tier