BlastPoint's Credit Union Scorecard
PUBLIX EMPLOYEES
Charter #23020 · FL
PUBLIX EMPLOYEES has 14 strengths but faces 2 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
- + Organic Growth Engine: Top 1.7% in tier
- + Emerging Performer: Top 12.7% in tier
- + Organic Growth Leader: Top 12.8% in tier
- + Wallet Share Momentum: Top 18.3% in tier
- + Credit Quality Leader: Top 34.0% in tier
- + Profitability Leader: Top 75.5% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.27% above tier average
- + Strong member growth: 5.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 5.9% in tier
- + Total Delinquency Rate (60+ days): Top 7.6% in tier
- + Share Certificate Concentration (%): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,710
+5.0% YoY+1.4% QoQ
|
+23.0K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$1.6B
+6.0% YoY+1.8% QoQ
|
$-78.2M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$994.6M
+27.9% YoY+3.2% QoQ
|
$-238.5M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$1.5B
+10.7% YoY+1.1% QoQ
|
$-3.3M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
1.1%
+218.7% YoY-1.2% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
3.5%
+11.9% YoY-0.4% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
70.8%
-14.5% YoY+1.1% QoQ
|
-3.1% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.3%
-7.7% YoY+31.1% QoQ
|
-0.6 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.6% in tier |
| Loan To Share |
68.5%
+15.5% YoY+2.1% QoQ
|
-16.7% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.5% in tier |
| AMR |
$20,094
+11.5% YoY+0.5% QoQ
|
$-9K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.6% in tier |
| CD Concentration |
18.0%
+16.5% YoY+17.6% QoQ
|
-10.9% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
Bottom 9.7% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (6)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)