BlastPoint's Credit Union Scorecard

DADE COUNTY

Charter #24508 · FL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 17 in FL

View Mid-Market leaderboard →

DADE COUNTY has 4 strengths but faces 4 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 6.0% in tier
+ ROA 0.79% above tier average
+ Net Interest Margin 0.58% above tier average
+ First Mortgage Concentration (%): Top 1.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 23.7% in tier
- Credit Risk Growth: Bottom 40.0% in tier
- Credit Quality Pressure: Bottom 59.2% in tier
- Average Member Relationship (AMR): Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	110,379 +3.1% YoY+0.8% QoQ	+14.3K	96,048 -2.7% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	69%
Assets	$1.5B +8.6% YoY+2.7% QoQ	$-195.6M	$1.7B +0.4% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	50%
Loans	$1.1B +7.1% YoY+1.0% QoQ	$-157.2M	$1.2B +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	44%
Deposits	$1.2B +8.6% YoY+3.1% QoQ	$-285.7M	$1.5B +0.5% YoY	$1.0B +12.4% YoY	$494.3M +9.1% 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	1.5% +3.5% YoY+20.6% QoQ	+0.8%	0.7% +27.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	Top 5.6% in tier
NIM	3.9% +2.4% YoY+2.2% QoQ	+0.6%	3.4% +6.2% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	Top 14.1% in tier
Efficiency Ratio	67.3% -1.4% YoY-3.4% QoQ	-7.3%	74.6% -3.0% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	20%
Delinquency Rate	0.3% +0.1% YoY-35.9% QoQ	-0.5	0.8% +6.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	Top 11.1% in tier
Loan To Share	89.6% -1.4% YoY-2.0% QoQ	+6.4%	83.2% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	63%
AMR	$20,261 +4.6% YoY+1.3% QoQ	$-9K	$29,652 +2.3% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Bottom 7.2% in tier
CD Concentration	29.6% +22.5% YoY+1.3% QoQ	+0.7%	28.8%	24.4%	19.8%	55%
Indirect Auto %	21.1% +17.9% YoY-0.7% QoQ	+3.1%	18.1%	10.8%	7.7%	63%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#19 of 79 • Top 6.0% 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: 1.51%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.09%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#97 of 198 • Bottom 23.7% in tier

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

Why This Signature

Asset Growth (YoY): 8.58%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 21.14%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.09%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Risk Growth

risk

#157 of 183 • Bottom 40.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.09%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#225 of 225 • Bottom 59.2% 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: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

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 306 peers in tier

Top Strengths (9 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 9.01%

Peer Median: 33.05%

#4 of 306 Top 1.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.51%

Peer Median: 0.66%

#17 of 306 Top 5.2% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.63%

#35 of 306 Top 11.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.94%

Peer Median: 3.37%

#43 of 306 Top 13.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 67.31%

Peer Median: 75.16%

#61 of 306 Top 19.6% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.59%

Peer Median: 4.44%

#61 of 306 Top 19.6% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 429.490

Peer Median: 345.077

#61 of 306 Top 19.6% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.58%

Peer Median: 4.82%

#66 of 306 Top 21.2% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.82%

Peer Median: 10.85%

#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (2 metrics)

284

Average Member Relationship (AMR)

engagement

Value: $20,261

Peer Median: $28,178

#284 of 306 Bottom 7.5% in 1B-3B tier

262

Loan-to-Member Ratio (LMR)

engagement

Value: $9,572

Peer Median: $12,733

#262 of 306 Bottom 14.7% in 1B-3B tier