BlastPoint's Credit Union Scorecard
DADE COUNTY
Charter #24508 · FL
DADE COUNTY has 8 strengths but faces 3 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 6.6% in tier
- + Emerging Performer: Top 16.9% in tier
- + Profitability Leader: Top 27.7% in tier
- + Credit Quality Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 69.6% in tier
- + ROA 0.72% 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
- - Indirect Auto Dependency: Bottom 20.5% in tier
- - Liquidity Strain: Bottom 21.4% in tier
- - Average Member Relationship (AMR): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
109,384
+3.7% YoY+1.0% QoQ
|
+10.7K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$1.5B
+6.9% YoY+2.7% QoQ
|
$-245.6M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$1.0B
+11.6% YoY+2.1% QoQ
|
$-189.7M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$1.1B
+9.1% YoY+1.7% QoQ
|
$-318.2M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
1.4%
+7.3% YoY-3.2% QoQ
|
+0.7% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Top 7.2% in tier |
| NIM |
3.8%
+13.3% YoY-0.8% QoQ
|
+0.6% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
66.8%
-1.6% YoY-1.3% QoQ
|
-7.2% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.3%
-13.1% YoY-17.2% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.8% in tier |
| Loan To Share |
91.8%
+2.3% YoY+0.4% QoQ
|
+6.6% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$19,925
+6.4% YoY+0.9% QoQ
|
$-9K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.2% in tier |
| CD Concentration |
28.3%
+38.0% YoY+8.2% QoQ
|
-0.7% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
49% |
| Indirect Auto % |
21.0%
+30.7% YoY+6.0% QoQ
|
+2.3% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
60% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)