BlastPoint's Credit Union Scorecard
USF FEDERAL CREDIT UNION
Charter #24223 · FL
USF FEDERAL CREDIT UNION has 7 strengths but faces 7 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
- + Organic Growth Engine: Top 28.9% in tier
- + Wallet Share Momentum: Top 34.8% 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
- - Credit Risk Growth: 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
|
39% |
| 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
|
30% |
| 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
|
50% |
| 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
|
29% |
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| 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
|
83% |
| 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
|
57% |
| 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
|
67% |
| 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
|
56% |
| CD Concentration |
24.1%
-1.2% YoY-0.0% QoQ
|
-4.8% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
28% |
| Indirect Auto % |
33.3%
-0.4% YoY-1.2% QoQ
|
+14.5% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
80% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)