BlastPoint's Credit Union Scorecard
USF FEDERAL CREDIT UNION
Charter #24223 · FL
USF FEDERAL CREDIT UNION has 3 strengths but faces 4 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 25.3% in tier
- + Net Interest Margin 0.25% above tier average
- + Loan-to-Share Ratio: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 12.0% in tier
- - Indirect Auto Dependency: Bottom 21.2% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 2.08% above tier (higher cost structure)
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 +10.2% year over year ($1.19B in shares and deposits).
- Membership: 80,247 members, +3.9% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 0.37%.
- Efficiency ratio 75.10% vs a 73.02% peer average.
- Loan-to-share ratio 101.14% 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 |
80,247
+3.9% YoY+0.4% QoQ
|
-16.6K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$1.4B
+9.5% YoY+2.7% QoQ
|
$-320.0M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$1.2B
+10.3% YoY+2.7% QoQ
|
$-32.0M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$1.2B
+10.2% YoY+1.3% QoQ
|
$-274.6M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
0.4%
+18.5% YoY+47.9% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 15.0% in tier |
| NIM |
3.7%
-3.5% YoY-0.2% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
75.1%
-2.0% YoY-0.1% QoQ
|
+2.1% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
0.8%
-1.1% YoY-3.9% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
101.1%
+0.1% YoY+1.3% QoQ
|
+16.4% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Top 10.3% in tier |
| AMR |
$29,795
+6.2% YoY+1.6% QoQ
|
+$219 |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
22.8%
-5.7% YoY-3.2% QoQ
|
-6.3% | 29.1% | 24.7% | 20.0% | 24% |
| Indirect Auto % |
34.7%
+3.3% YoY+0.0% QoQ
|
+16.7% | 18.1% | 10.8% | 7.7% | 83% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)