BlastPoint's Credit Union Scorecard

USF FEDERAL CREDIT UNION

Charter #24223 · FL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 17 in FL

View Mid-Market leaderboard →

USF FEDERAL CREDIT UNION has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 11.1% in tier
+ Net Interest Margin 0.32% above tier average
+ Loan Growth Rate: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.4% in tier
- Liquidity Strain: Bottom 12.0% in tier
- Credit Quality Pressure: Bottom 17.4% in tier
- Indirect Auto Dependency: Bottom 19.5% in tier
- ROA 0.47% below tier average
- Efficiency ratio 0.55% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	79,919 +4.2% YoY+1.3% QoQ	-16.1K	96,048 -2.7% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	42%
Assets	$1.4B +9.4% YoY-1.1% QoQ	$-352.1M	$1.7B +0.4% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	36%
Loans	$1.2B +15.5% YoY+3.8% QoQ	$-42.7M	$1.2B +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	58%
Deposits	$1.2B +11.9% YoY-0.1% QoQ	$-292.5M	$1.5B +0.5% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -30.0% YoY-19.7% QoQ	-0.5%	0.7% +27.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	Bottom 13.1% in tier
NIM	3.7% -4.5% YoY-0.9% QoQ	+0.3%	3.4% +6.2% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	75.2% -3.9% YoY+1.5% QoQ	+0.5%	74.6% -3.0% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	0.8% +36.1% YoY-19.0% QoQ	+0.0	0.8% +6.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	67%
Loan To Share	99.8% +3.3% YoY+3.9% QoQ	+16.6%	83.2% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	Top 10.5% in tier
AMR	$29,330 +9.1% YoY+0.5% QoQ	$-322	$29,652 +2.3% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	57%
CD Concentration	23.5% -2.4% YoY+2.0% QoQ	-5.3%	28.8%	24.4%	19.8%	26%
Indirect Auto %	34.7% +0.9% YoY-1.9% QoQ	+16.7%	18.1%	10.8%	7.7%	84%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#42 of 125 • Top 11.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.08%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#10 of 183 • Bottom 7.4% in tier

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

Why This Signature

Loan Growth (YoY): 15.50%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Liquidity Strain

risk

#12 of 148 • Bottom 12.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.83%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 15.50%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#45 of 198 • Bottom 19.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.44%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 34.74%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.19%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#66 of 225 • Bottom 17.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

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 306 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 15.50%

Peer Median: 5.67%

#22 of 306 Top 6.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.83%

Peer Median: 85.31%

#32 of 306 Top 10.1% in 1B-3B tier

Deposit Growth Rate

growth

Value: 11.87%

Peer Median: 4.44%

#35 of 306 Top 11.1% in 1B-3B tier

AMR Growth Rate

growth

Value: 9.08%

Peer Median: 3.15%

#36 of 306 Top 11.4% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.44%

Peer Median: 4.82%

#54 of 306 Top 17.3% in 1B-3B tier

Top Weaknesses (3 metrics)

266

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: 0.66%

#266 of 306 Bottom 13.4% in 1B-3B tier

262

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.51%

#262 of 306 Bottom 14.7% in 1B-3B tier

258

Indirect Auto Concentration (%)

balance_sheet

Value: 34.74%

Peer Median: 13.86%

#258 of 306 Bottom 16.0% in 1B-3B tier