BlastPoint's Credit Union Scorecard

JM ASSOCIATES

Charter #23709 · FL

1077 CUs in 100M-500M nationally 35 in FL

JM ASSOCIATES has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 14.7% in tier
+ Organic Growth Engine: Top 22.1% in tier
+ Net Interest Margin 0.29% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.9% in tier
- Credit Risk Growth: Bottom 11.0% in tier
- Efficiency Drag: Bottom 17.8% in tier
- ROA 0.51% below tier average
- Efficiency ratio 5.32% above tier (higher cost structure)
- Delinquency rate 0.20% above tier average
- Asset Growth Rate: Bottom 2.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	8,808 +2.8% YoY+0.7% QoQ	-6.8K	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	21%
Assets	$144.1M -6.4% YoY-2.1% QoQ	$-87.2M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	28%
Loans	$99.1M +3.4% YoY+1.5% QoQ	$-48.7M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	34%
Deposits	$124.8M +2.0% YoY-1.9% QoQ	$-75.4M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	28%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -25.7% YoY-59.5% QoQ	-0.5%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	18%
NIM	3.9% +14.7% YoY+5.2% QoQ	+0.3%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	66%
Efficiency Ratio	82.6% -2.8% YoY+5.8% QoQ	+5.3%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	70%
Delinquency Rate	1.1% +112.1% YoY+107.6% QoQ	+0.2	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	72%
Loan To Share	79.4% +1.3% YoY+3.4% QoQ	+6.7%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	61%
AMR	$25,427 -0.2% YoY-1.1% QoQ	+$1K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	66%
CD Concentration	22.3% +11.4% YoY+4.8% QoQ	-2.1%	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 (2)

Organic Growth Leader

growth

#195 of 430 • Top 14.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.77%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#405 of 603 • Top 22.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.77%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.28%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk

#122 of 736 • Bottom 4.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.56% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#165 of 446 • Bottom 11.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.36%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.56% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Efficiency Drag

risk

#315 of 521 • Bottom 17.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.60%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 2.77%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $276.26

Peer Avg: -

#94 of 1077 Top 8.6% in 100M-500M tier

144

First Mortgage Concentration (%)

balance_sheet

Value: 10.75%

Peer Avg: -

#144 of 1077 Top 13.3% in 100M-500M tier

150

Net Worth Ratio

risk

Value: 15.37%

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

236

Member Growth Rate

growth

Value: 2.77%

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1052

Asset Growth Rate

growth

Value: -6.42%

Peer Avg: -

#1052 of 1077 Bottom 2.4% in 100M-500M tier

889

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Avg: -

#889 of 1077 Bottom 17.5% in 100M-500M tier

857

AMR Growth Rate

growth

Value: -0.17%

Peer Avg: -

#857 of 1077 Bottom 20.5% in 100M-500M tier

847

Total Members

engagement

Value: 8,808

Peer Avg: -

#847 of 1077 Bottom 21.4% in 100M-500M tier