BlastPoint's Credit Union Scorecard
RADIFI
Charter #340 · FL
RADIFI has 6 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.3% in tier
- + Net Interest Margin 0.03% above tier average
- + Asset Growth Rate: Top 3.6% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Loan Growth Rate: Top 4.2% in tier
- + Loan-to-Share Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.6% in tier
- - Liquidity Strain: Bottom 18.1% in tier
- - Indirect Auto Dependency: Bottom 22.4% in tier
- - Credit Quality Pressure: Bottom 53.0% in tier
- - Efficiency Drag: Bottom 66.8% in tier
- - Membership Headwinds: Bottom 72.5% in tier
- - Stagnation Risk: Bottom 89.3% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 3.02% 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 |
42,135
-1.6% YoY+0.4% QoQ
|
+3.6K |
38,575
-4.8% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$711.6M
+17.6% YoY+0.9% QoQ
|
+$89.9M |
$621.7M
+0.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 14.5% in tier |
| Loans |
$532.7M
+21.4% YoY+0.4% QoQ
|
+$102.9M |
$429.8M
-1.8% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$555.8M
+5.9% YoY+1.0% QoQ
|
+$17.1M |
$538.7M
+0.6% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.3%
-26.0% YoY+20.8% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.5%
-1.4% YoY-1.8% QoQ
|
+0.0% |
3.4%
+8.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
80.5%
+3.5% YoY-2.0% QoQ
|
+3.0% |
77.5%
-4.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.8%
+32.3% YoY+63.5% QoQ
|
-0.0 |
0.8%
-1.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
95.8%
+14.6% YoY-0.6% QoQ
|
+16.0% |
79.8%
-2.3% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Top 10.3% in tier |
| AMR |
$25,834
+14.8% YoY+0.3% QoQ
|
$-1K |
$26,849
+2.7% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
28.0%
+4.6% YoY+0.8% QoQ
|
+3.5% | 24.4% | 24.1% | 19.8% | 63% |
| Indirect Auto % |
19.6%
-17.6% YoY-0.4% QoQ
|
+5.8% | 13.8% | 10.8% | 7.8% | 71% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)