BlastPoint's Credit Union Scorecard
DADE COUNTY
Charter #24508 · FL
DADE COUNTY has 6 strengths but faces 6 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
- + Emerging Performer: Top 23.7% in tier
- + Organic Growth Engine: Top 26.0% in tier
- + Wallet Share Momentum: Top 82.8% in tier
- + ROA 0.56% above tier average
- + Net Interest Margin 0.58% above tier average
- + First Mortgage Concentration (%): Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 44.4% in tier
- - Indirect Auto Dependency: Bottom 46.7% in tier
- - Credit Risk Growth: Bottom 49.7% in tier
- - Liquidity Strain: Bottom 66.7% in tier
- - Credit Quality Pressure: Bottom 71.9% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
109,515
+3.2% YoY+0.1% QoQ
|
+12.1K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$1.5B
+9.7% YoY+0.7% QoQ
|
$-238.9M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$1.0B
+9.9% YoY+0.3% QoQ
|
$-188.2M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$1.1B
+8.6% YoY+0.8% QoQ
|
$-314.5M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
1.2%
-8.8% YoY-12.6% QoQ
|
+0.6% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Top 11.3% in tier |
| NIM |
3.9%
+8.1% YoY+0.2% QoQ
|
+0.6% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
69.7%
+2.3% YoY+4.3% QoQ
|
-4.4% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.4%
+22.7% YoY+36.3% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
91.4%
+1.3% YoY-0.5% QoQ
|
+6.6% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$20,007
+5.9% YoY+0.4% QoQ
|
$-9K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.0% in tier |
| CD Concentration |
29.2%
+33.1% YoY+3.3% QoQ
|
+0.2% | 29.0% | 24.1% | 19.8% | 53% |
| Indirect Auto % |
21.3%
+25.1% YoY+1.2% QoQ
|
+3.0% | 18.3% | 10.8% | 7.8% | 62% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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 (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)