BlastPoint's Credit Union Scorecard
FLORIDA A & M UNIVERSITY
Charter #187 · FL
FLORIDA A & M UNIVERSITY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.51% below tier average
- - Efficiency ratio 18.08% above tier (higher cost structure)
- - Delinquency rate 2.51% above tier average
- - Member decline: -3.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
- - Net Charge-Off Rate: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,802
-3.0% YoY-0.4% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$27.5M
-3.3% YoY+0.9% QoQ
|
$-2.7M |
$30.2M
+1.3% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$10.4M
-2.7% YoY-0.2% QoQ
|
$-4.9M |
$15.3M
-2.0% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$23.7M
-2.1% YoY+1.1% QoQ
|
$-2.1M |
$25.8M
+0.7% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
57% |
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| ROA |
-1.4%
-223.7% YoY-385.4% QoQ
|
-1.5% |
0.1%
-77.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.8% in tier |
| NIM |
4.2%
-8.9% YoY-9.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
108.7%
+51.7% YoY+37.5% QoQ
|
+18.1% |
90.6%
+6.5% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.2% in tier |
| Delinquency Rate |
4.0%
+120.4% YoY-36.7% QoQ
|
+2.5 |
1.5%
+3.8% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
43.9%
-0.6% YoY-1.3% QoQ
|
-14.6% |
58.5%
-3.0% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$8,980
+0.7% YoY+1.1% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
5.1%
-8.7% YoY-5.3% QoQ
|
-19.2% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)