BlastPoint's Credit Union Scorecard
JETSTREAM
Charter #24718 · FL
JETSTREAM has 10 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 12.7% in tier
- + Wallet Share Momentum: Top 23.0% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 0.60% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Loan Growth Rate: Top 3.5% in tier
- + Total Delinquency Rate (60+ days): Top 3.8% in tier
- + Loan-to-Member Ratio (LMR): Top 7.3% in tier
- + AMR Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.2% in tier
- - Efficiency ratio 0.24% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,108
+0.4% YoY-0.5% QoQ
|
-1.3K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$269.2M
+3.4% YoY-0.2% QoQ
|
+$37.3M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$233.8M
+20.7% YoY+3.1% QoQ
|
+$86.4M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$232.7M
+3.3% YoY-0.3% QoQ
|
+$31.9M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.8%
+41.7% YoY-9.2% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.2%
+18.6% YoY+0.4% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
77.3%
-3.4% YoY+0.2% QoQ
|
+0.2% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.1%
-84.1% YoY-70.8% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.8% in tier |
| Loan To Share |
100.5%
+16.8% YoY+3.4% QoQ
|
+28.2% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Top 2.3% in tier |
| AMR |
$33,065
+10.9% YoY+1.9% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 11.9% in tier |
| CD Concentration |
30.9%
+9.3% YoY+1.1% QoQ
|
+6.5% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
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)