BlastPoint's Credit Union Scorecard
JETSTREAM
Charter #24718 · FL
JETSTREAM has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Net Interest Margin 0.28% above tier average
- + Total Delinquency Rate (60+ days): Top 6.0% in tier
- + Loan-to-Share Ratio: Top 6.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency ratio 0.23% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,206
+1.0% YoY+0.7% QoQ
|
-939 |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$287.6M
+8.3% YoY+6.9% QoQ
|
+$55.9M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$234.2M
+10.7% YoY+0.2% QoQ
|
+$90.0M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$251.3M
+9.2% YoY+8.0% QoQ
|
+$50.1M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.7%
-14.2% YoY-10.3% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
3.9%
-2.6% YoY-6.8% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
78.2%
-1.3% YoY+1.3% QoQ
|
+0.2% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.1%
+43.7% YoY+9.9% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
Top 6.0% in tier |
| Loan To Share |
93.2%
+1.3% YoY-7.2% QoQ
|
+22.8% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Top 6.2% in tier |
| AMR |
$34,170
+8.9% YoY+3.3% QoQ
|
+$9K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Top 11.3% in tier |
| CD Concentration |
38.0%
+35.4% YoY+22.9% QoQ
|
+13.8% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (4)
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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)