BlastPoint's Credit Union Scorecard
PUBLIX EMPLOYEES
Charter #23020 · FL
PUBLIX EMPLOYEES has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 16.3% in tier
- + Organic Growth Engine: Top 20.8% in tier
- + Organic Growth Leader: Top 20.8% in tier
- + Emerging Performer: Top 31.6% in tier
- + ROA 0.19% above tier average
- + Strong member growth: 5.5% YoY
- + Loan Growth Rate: Top 7.8% in tier
- + Asset Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.2% in tier
- - Credit Quality Pressure: Bottom 22.9% in tier
- - Margin Compression: Bottom 31.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Average Member Relationship (AMR): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
124,804
+5.5% YoY+1.2% QoQ
|
+28.8K |
96,048
-2.7% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$1.8B
+12.2% YoY+6.0% QoQ
|
+$59.4M |
$1.7B
+0.4% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$1.0B
+14.9% YoY+2.1% QoQ
|
$-193.0M |
$1.2B
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$1.6B
+12.4% YoY+7.0% QoQ
|
+$122.3M |
$1.5B
+0.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.9%
-18.8% YoY-18.8% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
3.3%
-7.3% YoY-5.8% QoQ
|
-0.1% |
3.4%
+6.2% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
72.1%
+4.0% YoY+2.8% QoQ
|
-2.6% |
74.6%
-3.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.4%
+68.9% YoY-9.4% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
64.3%
+2.2% YoY-4.6% QoQ
|
-18.9% |
83.2%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.1% in tier |
| AMR |
$20,901
+7.5% YoY+3.8% QoQ
|
$-9K |
$29,652
+2.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
20.4%
+46.6% YoY+16.0% QoQ
|
-8.5% | 28.8% | 24.4% | 19.8% | Bottom 14.6% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 10.8% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)