USF FEDERAL CREDIT UNION

Charter #24223 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

USF FEDERAL CREDIT UNION has 9 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 5.5% in tier
  • + Relationship Depth Leader: Top 19.2% in tier
  • + Emerging Performer: Top 20.4% in tier
  • + Organic Growth Engine: Top 28.9% in tier
  • + Net Interest Margin 0.56% above tier average
  • + Asset Growth Rate: Top 6.2% in tier
  • + Deposit Growth Rate: Top 6.2% in tier
  • + Loan Growth Rate: Top 6.9% in tier
  • + Loan-to-Share Ratio: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.3% in tier
  • - Indirect Auto Dependency: Bottom 4.4% in tier
  • - Growth-at-Risk: Bottom 16.4% in tier
  • - Credit Quality Pressure: Bottom 27.5% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 1.80% above tier (higher cost structure)
  • - Delinquency rate 0.05% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 78,350
+4.6% YoY+1.4% QoQ
 -20.3K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 39th in tier
Assets $1.3B
+12.8% YoY+0.6% QoQ
 $-429.4M $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 30th in tier
Loans $1.1B
+15.1% YoY+2.7% QoQ
 $-114.3M $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $1.1B
+13.5% YoY+0.8% QoQ
 $-367.9M $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 29th in tier
ROA 0.3%
+16.9% YoY-13.8% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Bottom 12.2% in tier
NIM 3.8%
+3.5% YoY+0.5% QoQ
 +0.6% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Top 16.8% in tier
Efficiency Ratio 75.8%
-4.3% YoY-1.2% QoQ
 +1.8% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 57th in tier
Delinquency Rate 0.9%
+0.5% YoY+12.4% QoQ
 +0.0 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 67th in tier
Loan To Share 103.0%
+1.4% YoY+1.9% QoQ
 +17.8% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Top 9.2% in tier
AMR $28,146
+9.2% YoY+0.3% QoQ
 $-1K $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 56th in tier
CD Concentration 24.1%
-1.2% YoY-0.0% QoQ
 -4.8% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 28th in tier
Indirect Auto % 33.3%
-0.4% YoY-1.2% QoQ
 +14.5% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 20.3% in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#41 of 264 • Top 5.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.21%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#140 of 264 • Top 19.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.21%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#109 of 184 • Top 20.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.27%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 4.64%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#210 of 246 • Top 28.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.64%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.27%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 33.26%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk
#8 of 183 • Bottom 1.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 102.98%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 15.07%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#28 of 202 • Bottom 4.4% in tier

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

Why This Signature
Asset Growth (YoY): 12.78%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 33.26%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.64%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Growth-at-Risk

risk
#92 of 161 • Bottom 16.4% in tier

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

Why This Signature
Loan Growth (YoY): 15.07%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#211 of 217 • Bottom 27.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (7 metrics)

20
Asset Growth Rate
growth
Value: 12.78%
Peer Avg: 4.83%
#20 of 304 Top 6.2% in 1B-3B tier
20
Deposit Growth Rate
growth
Value: 13.49%
Peer Avg: 5.58%
#20 of 304 Top 6.2% in 1B-3B tier
22
Loan Growth Rate
growth
Value: 15.07%
Peer Avg: 5.27%
#22 of 304 Top 6.9% in 1B-3B tier
28
Loan-to-Share Ratio
balance_sheet
Value: 102.98%
Peer Avg: 85.19%
#28 of 304 Top 8.9% in 1B-3B tier
36
AMR Growth Rate
growth
Value: 9.21%
Peer Avg: 3.29%
#36 of 304 Top 11.5% in 1B-3B tier
51
Net Interest Margin (NIM)
profitability
Value: 3.82%
Peer Avg: 3.26%
#51 of 304 Top 16.4% in 1B-3B tier
72
Member Growth Rate
growth
Value: 4.64%
Peer Avg: 2.20%
#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (4 metrics)

267
Return on Assets (ROA)
profitability
Value: 0.27%
Peer Avg: 0.70%
#267 of 304 Bottom 12.5% in 1B-3B tier
253
Net Charge-Off Rate
risk
Value: 0.97%
Peer Avg: 0.60%
#253 of 304 Bottom 17.1% in 1B-3B tier
246
Indirect Auto Concentration (%)
balance_sheet
Value: 33.26%
Peer Avg: 18.32%
#246 of 304 Bottom 19.4% in 1B-3B tier
234
Fee Income Per Member
profitability
Value: $160.55
Peer Avg: $210.52
#234 of 304 Bottom 23.4% in 1B-3B tier