BlastPoint's Credit Union Scorecard
T M H
Charter #15175 · FL
T M H has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.7% in tier
- + Total Members: Top 2.6% in tier
- + Total Deposits: Top 3.7% in tier
- + Total Assets: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 0.25% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +2.8% year over year ($77.8M in shares and deposits).
- Membership: 8,576 members, -0.9% vs a year ago.
- Delinquency rate 0.91%.
- Return on assets 0.10%.
- Efficiency ratio 89.01% vs a 88.77% peer average.
- Loan-to-share ratio 78.33% vs a 58.89% 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 |
8,576
-0.9% YoY-0.5% QoQ
|
+6.0K |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Top 2.7% in tier |
| Assets |
$87.4M
+2.7% YoY-1.8% QoQ
|
+$57.2M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Top 4.7% in tier |
| Loans |
$61.0M
-1.6% YoY+1.2% QoQ
|
+$45.5M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 1.7% in tier |
| Deposits |
$77.8M
+2.8% YoY-1.9% QoQ
|
+$52.0M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Top 3.7% in tier |
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| ROA |
0.1%
-81.9% YoY-66.2% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.4% in tier |
| NIM |
3.9%
+1.4% YoY+2.0% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
89.0%
+10.4% YoY+1.4% QoQ
|
+0.2% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.9%
+50.8% YoY+110.5% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
78.3%
-4.3% YoY+3.2% QoQ
|
+19.4% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$16,180
+1.7% YoY-0.1% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
19.0%
+2.2% YoY+2.5% QoQ
|
-5.5% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
18.1%
+1.9% YoY-1.4% QoQ
|
+4.5% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)