BlastPoint's Credit Union Scorecard
USF FEDERAL CREDIT UNION
Charter #24223 · FL
USF FEDERAL CREDIT UNION has 5 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 35.2% in tier
- + Organic Growth Engine: Top 89.4% in tier
- + Net Interest Margin 0.44% above tier average
- + Deposit Growth Rate: Top 6.0% in tier
- + Asset Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.9% in tier
- - Indirect Auto Dependency: Bottom 11.3% in tier
- - Credit Quality Pressure: Bottom 20.0% in tier
- - Liquidity Strain: Bottom 27.3% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 0.04% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
78,887
+4.2% YoY+0.7% QoQ
|
-18.5K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$1.4B
+14.8% YoY+7.2% QoQ
|
$-340.9M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$1.1B
+12.2% YoY+0.8% QoQ
|
$-106.3M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$1.2B
+14.9% YoY+8.1% QoQ
|
$-285.3M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.3%
+13.1% YoY+15.8% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
3.7%
+0.8% YoY-3.0% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
74.1%
-4.7% YoY-2.2% QoQ
|
+0.0% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
1.0%
+46.7% YoY+13.0% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
96.1%
-2.3% YoY-6.7% QoQ
|
+11.3% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$29,183
+9.0% YoY+3.7% QoQ
|
$-246 |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
23.1%
-3.1% YoY-4.4% QoQ
|
-6.0% | 29.0% | 24.1% | 19.8% | 24% |
| Indirect Auto % |
35.4%
+6.1% YoY+6.5% QoQ
|
+17.1% | 18.3% | 10.8% | 7.8% | 84% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)