BlastPoint's Credit Union Scorecard
FLORIDA A & M UNIVERSITY
Charter #187 · FL
FLORIDA A & M UNIVERSITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.29% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 25.80% above tier (higher cost structure)
- - Delinquency rate 1.92% above tier average
- - Member decline: -2.9% YoY
- - Net Charge-Off Rate: Bottom 6.6% 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 -1.2% year over year ($23.8M in shares and deposits).
- Membership: 3,715 members, -2.9% vs a year ago.
- Delinquency rate 3.46%.
- Return on assets 1.80%.
- Efficiency ratio 114.56% vs a 88.77% peer average.
- Loan-to-share ratio 44.53% 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 |
3,715
-2.9% YoY-2.3% QoQ
|
+1.1K |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$28.0M
-0.5% YoY+1.7% QoQ
|
$-2.3M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$10.6M
+2.7% YoY+1.5% QoQ
|
$-4.9M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$23.8M
-1.2% YoY+0.2% QoQ
|
$-2.0M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
1.8%
-27.9% YoY-231.6% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Top 12.9% in tier |
| NIM |
4.2%
-8.7% YoY-0.0% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
114.6%
+97.3% YoY+5.4% QoQ
|
+25.8% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate |
3.5%
+14.2% YoY-13.6% QoQ
|
+1.9 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.1% in tier |
| Loan To Share |
44.5%
+4.0% YoY+1.3% QoQ
|
-14.4% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$9,245
+3.0% YoY+3.0% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
5.2%
-21.3% YoY+2.2% QoQ
|
-19.4% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)