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 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Delinquency rate 3.59% above tier average
- - Member decline: -3.5% YoY
- - Net Charge-Off Rate: Bottom 1.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,813
-3.5% YoY-0.4% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$27.3M
-5.4% YoY-2.7% QoQ
|
$-2.5M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$10.4M
-2.7% YoY+0.6% QoQ
|
$-5.4M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$23.6M
-3.0% YoY-1.9% QoQ
|
$-1.9M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
0.6%
-183.8% YoY-77.9% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
4.6%
-8.2% YoY+0.4% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
71.6%
-28.3% YoY+23.3% QoQ
|
-9.8% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
5.1%
+102.7% YoY+68.0% QoQ
|
+3.6 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Top 5.9% in tier |
| Loan To Share |
43.9%
+0.4% YoY+2.6% QoQ
|
-17.3% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$8,903
+0.6% YoY-0.8% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
5.8%
+2.4% YoY-11.2% QoQ
|
-18.6% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
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)