BlastPoint's Credit Union Scorecard
PUBLIX EMPLOYEES
Charter #23020 · FL
PUBLIX EMPLOYEES has 6 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 16.1% in tier
- + Organic Growth Engine: Top 24.2% in tier
- + Organic Growth Leader: Top 24.2% in tier
- + Emerging Performer: Top 36.8% in tier
- + ROA 0.11% above tier average
- + Loan Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.9% in tier
- - Credit Quality Pressure: Bottom 14.8% in tier
- - Margin Compression: Bottom 36.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +11.7% year over year ($1.60B in shares and deposits).
- Membership: 125,683 members, +4.7% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.93%.
- Efficiency ratio 71.10% vs a 73.02% peer average.
- Loan-to-share ratio 68.90% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
125,683
+4.7% YoY+0.7% QoQ
|
+28.8K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$1.8B
+11.6% YoY+1.2% QoQ
|
+$76.0M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$1.1B
+14.6% YoY+8.2% QoQ
|
$-129.4M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$1.6B
+11.7% YoY+1.0% QoQ
|
+$140.1M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
64% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
-16.9% YoY+3.3% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
3.4%
-3.7% YoY+3.6% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
71.1%
+1.5% YoY-1.3% QoQ
|
-1.9% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.5%
+141.6% YoY+22.6% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
27% |
| Loan To Share |
68.9%
+2.6% YoY+7.2% QoQ
|
-15.8% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.7% in tier |
| AMR |
$21,549
+7.8% YoY+3.1% QoQ
|
$-8K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
22.3%
+45.7% YoY+9.7% QoQ
|
-6.7% | 29.1% | 24.7% | 20.0% | 22% |
| 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.
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 (<15%). Healthy, sustainable growth model.
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)