BlastPoint's Credit Union Scorecard
FLORIDA A & M UNIVERSITY
Charter #187 · FL
FLORIDA A & M UNIVERSITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Delinquency rate 4.78% above tier average
- - Member decline: -2.9% YoY
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,816
-2.9% YoY+0.1% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$27.3M
-6.4% YoY-0.3% QoQ
|
$-2.9M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$10.4M
+0.0% YoY+0.8% QoQ
|
$-5.3M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$23.5M
-4.0% YoY-0.6% QoQ
|
$-2.2M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.5%
-284.1% YoY-13.0% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
4.7%
-6.9% YoY+1.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
79.1%
-19.6% YoY+10.4% QoQ
|
-3.5% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
6.3%
+61.9% YoY+24.4% QoQ
|
+4.8 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Top 4.4% in tier |
| Loan To Share |
44.5%
+4.2% YoY+1.4% QoQ
|
-16.1% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$8,883
+0.1% YoY-0.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
5.3%
-6.2% YoY-8.4% QoQ
|
-19.1% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)