BlastPoint's Credit Union Scorecard

DADE COUNTY

Charter #24508 · FL

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 18 in FL

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DADE COUNTY has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 4.5% in tier
+ ROA 0.88% above tier average
+ Net Interest Margin 0.59% above tier average
+ First Mortgage Concentration (%): Top 1.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 34.9% in tier
- Liquidity Strain: Bottom 37.6% in tier
- Average Member Relationship (AMR): Bottom 7.7% in tier

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 +6.0% year over year ($1.18B in shares and deposits).
Membership: 111,518 members, +3.0% vs a year ago.
Delinquency rate 0.31%.
Return on assets 1.70%.
Efficiency ratio 65.32% vs a 73.02% peer average.
Loan-to-share ratio 92.59% 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	111,518 +3.0% YoY+1.0% QoQ	+14.7K	96,861 -1.9% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	68%
Assets	$1.5B +7.0% YoY+0.7% QoQ	$-189.0M	$1.7B +0.4% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	52%
Loans	$1.1B +7.3% YoY+3.8% QoQ	$-137.7M	$1.2B +0.7% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	48%
Deposits	$1.2B +6.0% YoY+0.4% QoQ	$-279.1M	$1.5B +0.5% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	39%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% +15.0% YoY+12.7% QoQ	+0.9%	0.8% +27.6% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	Top 5.0% in tier
NIM	4.0% +3.6% YoY+2.0% QoQ	+0.6%	3.4% +6.6% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	Top 13.0% in tier
Efficiency Ratio	65.3% -3.5% YoY-3.0% QoQ	-7.7%	73.0% -2.7% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	17%
Delinquency Rate	0.3% -10.9% YoY+23.3% QoQ	-0.5	0.9% +7.3% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	Top 12.0% in tier
Loan To Share	92.6% +1.2% YoY+3.4% QoQ	+7.9%	84.7% +0.1% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	67%
AMR	$20,452 +3.6% YoY+0.9% QoQ	$-9K	$29,575 +1.5% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	Bottom 7.3% in tier
CD Concentration	29.5% +13.0% YoY-0.2% QoQ	+0.4%	29.1%	24.7%	20.0%	53%
Indirect Auto %	21.6% +8.9% YoY+2.2% QoQ	+3.5%	18.1%	10.8%	7.7%	64%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#16 of 82 • Top 4.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.70%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.95%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk

#117 of 193 • Bottom 34.9% in tier

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

Why This Signature

Asset Growth (YoY): 6.97%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 21.61%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.95%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#129 of 168 • Bottom 37.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.59%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.32%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 8.69%

Peer Median: 33.59%

#4 of 300 Top 1.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.70%

Peer Median: 0.77%

#15 of 300 Top 4.7% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.70%

#37 of 300 Top 12.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.02%

Peer Median: 3.46%

#39 of 300 Top 12.7% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 437.325

Peer Median: 346.173

#48 of 300 Top 15.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 65.32%

Peer Median: 73.62%

#53 of 300 Top 17.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.09%

Peer Median: 10.91%

#65 of 300 Top 21.3% in 1B-3B tier

Top Weaknesses (2 metrics)

278

Average Member Relationship (AMR)

engagement

Value: $20,452

Peer Median: $28,089

#278 of 300 Bottom 7.7% in 1B-3B tier

255

Loan-to-Member Ratio (LMR)

engagement

Value: $9,832

Peer Median: $12,809

#255 of 300 Bottom 15.3% in 1B-3B tier