BlastPoint's Credit Union Scorecard
PUBLIX EMPLOYEES
Charter #23020 · FL
PUBLIX EMPLOYEES has 11 strengths but faces 4 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 3.2% in tier
- + Emerging Performer: Top 10.5% in tier
- + Organic Growth Leader: Top 31.2% in tier
- + Wallet Share Momentum: Top 51.6% in tier
- + ROA 0.43% above tier average
- + Net Interest Margin 0.23% above tier average
- + Strong member growth: 5.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.3% in tier
- + Members Per Employee (MPE): Top 7.3% in tier
- + Share Certificate Concentration (%): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 23.9% in tier
- - Credit Quality Pressure: Bottom 69.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Average Member Relationship (AMR): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
123,371
+5.3% YoY+1.4% QoQ
|
+25.9K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$1.7B
+9.0% YoY+2.3% QoQ
|
$-44.9M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$1.0B
+24.5% YoY+0.6% QoQ
|
$-234.3M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$1.5B
+7.4% YoY+2.3% QoQ
|
+$24.9M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.1%
+133.8% YoY+0.3% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Top 14.9% in tier |
| NIM |
3.5%
+8.8% YoY-0.9% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
70.1%
-13.7% YoY-1.0% QoQ
|
-3.9% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.4%
+22.5% YoY+65.8% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
67.4%
+15.9% YoY-1.7% QoQ
|
-17.4% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.2% in tier |
| AMR |
$20,137
+7.9% YoY+0.2% QoQ
|
$-9K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.3% in tier |
| CD Concentration |
17.6%
+14.2% YoY-2.6% QoQ
|
-11.5% | 29.0% | 24.1% | 19.8% | Bottom 9.3% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 10.8% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
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.
Concerns (2)
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.
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)