BlastPoint's Credit Union Scorecard
EVERGLADES
Charter #24204 · FL
EVERGLADES has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.79% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,431
+0.2% YoY+0.0% QoQ
|
+2.8K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 11.5% in tier |
| Assets |
$55.4M
+1.8% YoY+1.9% QoQ
|
+$25.3M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$34.5M
+1.7% YoY-1.7% QoQ
|
+$18.8M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 14.4% in tier |
| Deposits |
$49.6M
+1.5% YoY+2.0% QoQ
|
+$24.0M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.6%
-349.2% YoY+18.3% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
3.4%
+11.3% YoY+1.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
83.4%
-13.2% YoY-1.2% QoQ
|
+0.8% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.8%
+26.7% YoY+76.7% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
69.5%
+0.2% YoY-3.6% QoQ
|
+8.9% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$15,499
+1.4% YoY+0.4% QoQ
|
+$716 |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
15.1%
-8.3% YoY-3.2% QoQ
|
-9.3% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)