BlastPoint's Credit Union Scorecard
FARMERS
Charter #26 · FL
FARMERS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.97% above tier (higher cost structure)
- - Member decline: -40.6% YoY
- - Member Growth Rate: Bottom 0.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,162
-40.6% YoY-0.4% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$21.8M
+4.3% YoY+0.8% QoQ
|
$-8.0M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$6.0M
-0.7% YoY-2.0% QoQ
|
$-9.8M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$19.5M
+4.2% YoY+0.7% QoQ
|
$-6.0M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.7%
+85.3% YoY-1.6% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.2%
+13.1% YoY+4.9% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
82.4%
-5.0% YoY+0.2% QoQ
|
+1.0% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.1%
-68.7% YoY-38.8% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
30.6%
-4.6% YoY-2.7% QoQ
|
-30.6% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.6% in tier |
| AMR |
$21,905
+73.4% YoY+0.5% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 14.4% in tier |
| CD Concentration |
21.0%
+17.3% YoY+3.0% QoQ
|
-3.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)