BlastPoint's Credit Union Scorecard
RADIFI
Charter #340 · FL
RADIFI has 4 strengths but faces 7 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 10.2% in tier
- + Net Interest Margin 0.20% above tier average
- + Loan-to-Share Ratio: Top 6.7% in tier
- + AMR Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.8% in tier
- - Credit Risk Growth: Bottom 12.2% in tier
- - Credit Quality Pressure: Bottom 45.2% in tier
- - Membership Headwinds: Bottom 70.6% in tier
- - Stagnation Risk: Bottom 70.6% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 1.37% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Florida.
- Shares and deposits +4.0% year over year ($558M in shares and deposits).
- Membership: 41,786 members, -1.6% vs a year ago.
- Delinquency rate 0.45%.
- Return on assets 0.61%.
- Efficiency ratio 77.93% vs a 76.56% peer average.
- Loan-to-share ratio 98.00% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,786
-1.6% YoY-0.7% QoQ
|
+3.9K |
37,897
-5.0% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$715.2M
+9.6% YoY+1.2% QoQ
|
+$92.8M |
$622.4M
+0.6% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$547.3M
+12.2% YoY+1.9% QoQ
|
+$118.8M |
$428.5M
-0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 10.9% in tier |
| Deposits |
$558.4M
+4.0% YoY-2.2% QoQ
|
+$18.7M |
$539.8M
+0.9% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
0.6%
+105.8% YoY+22.3% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.7%
+2.9% YoY-0.1% QoQ
|
+0.2% |
3.5%
+5.0% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
77.9%
-4.7% YoY+0.2% QoQ
|
+1.4% |
76.6%
-3.6% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
0.4%
+12.8% YoY-3.1% QoQ
|
-0.4 |
0.8%
+3.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
98.0%
+7.9% YoY+4.2% QoQ
|
+18.7% |
79.3%
-1.4% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Top 7.3% in tier |
| AMR |
$26,460
+9.7% YoY+0.5% QoQ
|
$-834 |
$27,294
+4.1% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
28.0%
+11.6% YoY-1.6% QoQ
|
+3.5% | 24.6% | 24.7% | 20.0% | 64% |
| Indirect Auto % |
13.9%
-35.2% YoY-3.9% QoQ
|
+0.2% | 13.6% | 10.8% | 7.7% | 61% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)