BlastPoint's Credit Union Scorecard
RADIFI
Charter #340 · FL
RADIFI has 5 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 5.8% in tier
- + Net Interest Margin 0.11% above tier average
- + AMR Growth Rate: Top 1.8% in tier
- + Loan Growth Rate: Top 3.0% in tier
- + Asset Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.2% in tier
- - Liquidity Strain: Bottom 5.6% in tier
- - Membership Headwinds: Bottom 13.1% in tier
- - Stagnation Risk: Bottom 18.0% in tier
- - Efficiency Drag: Bottom 24.6% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 4.07% above tier (higher cost structure)
- - Member decline: -3.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,974
-3.2% YoY-1.2% QoQ
|
+2.2K |
39,752
-2.7% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$704.9M
+17.6% YoY+8.1% QoQ
|
+$82.5M |
$622.4M
+0.3% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$530.6M
+22.9% YoY+8.8% QoQ
|
+$94.7M |
$435.9M
-0.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$550.4M
+7.2% YoY+2.6% QoQ
|
+$12.4M |
$538.0M
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
0.3%
-46.9% YoY-2.1% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.5%
+0.8% YoY-2.5% QoQ
|
+0.1% |
3.4%
+8.6% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
82.2%
+6.4% YoY+0.5% QoQ
|
+4.1% |
78.1%
-3.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.5%
-18.4% YoY+23.5% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
96.4%
+14.6% YoY+6.1% QoQ
|
+15.4% |
81.0%
-1.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Top 13.6% in tier |
| AMR |
$25,756
+18.2% YoY+6.8% QoQ
|
$-726 |
$26,482
+2.6% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
27.7%
+5.4% YoY+10.5% QoQ
|
+3.3% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
62% |
| Indirect Auto % |
19.7%
-18.6% YoY-8.1% QoQ
|
+5.7% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
70% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)