TAMPA BAY

Charter #352 | FL

100M-500M (1077 CUs) Micro
35 100M-500M in FL

TAMPA BAY has 13 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 4.9% in tier
  • + Relationship Depth Leader: Top 13.0% in tier
  • + Wallet Share Momentum: Top 16.3% in tier
  • + Organic Growth Engine: Top 21.3% in tier
  • + Net Interest Margin 0.13% above tier average
  • + Strong member growth: 5.7% YoY
  • + Total Loans: Top 0.6% in tier
  • + Total Deposits: Top 1.7% in tier
  • + Total Assets: Top 2.1% in tier
  • + Total Members: Top 3.0% in tier
  • + Deposit Growth Rate: Top 3.8% in tier
  • + Asset Growth Rate: Top 7.7% in tier
  • + Member Growth Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 15.9% in tier
  • - Credit Quality Pressure: Bottom 18.3% in tier
  • - Indirect Auto Dependency: Bottom 23.6% in tier
  • - ROA 0.54% below tier average
  • - Efficiency ratio 0.26% above tier (higher cost structure)
  • - Delinquency rate 1.08% above tier average
  • - Net Charge-Off Rate: Bottom 7.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 36,616
+5.7% YoY+0.2% QoQ
 +21.0K 15,628
-3.4% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 3.1% in tier
Assets $475.6M
+11.2% YoY-3.0% QoQ
 +$244.3M $231.3M
-0.0% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 2.2% in tier
Loans $374.4M
+7.1% YoY+0.0% QoQ
 +$226.6M $147.8M
-1.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 0.7% in tier
Deposits $416.6M
+15.4% YoY-3.6% QoQ
 +$216.3M $200.3M
-0.0% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 1.8% in tier
ROA 0.2%
-51.2% YoY+82.5% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Bottom 15.6% in tier
NIM 3.7%
-8.3% YoY+5.0% QoQ
 +0.1% 3.6%
+6.9% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 58th in tier
Efficiency Ratio 77.5%
+2.9% YoY-5.8% QoQ
 +0.3% 77.3%
-3.0% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 1.9%
+6.7% YoY-1.1% QoQ
 +1.1 0.9%
+7.6% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Top 7.8% in tier
Loan To Share 89.9%
-7.2% YoY+3.8% QoQ
 +17.2% 72.7%
-1.5% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Top 15.7% in tier
AMR $21,603
+5.3% YoY-2.2% QoQ
 $-3K $24,363
+2.9% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 45th in tier
CD Concentration 32.0%
+39.7% YoY+1.9% QoQ
 +7.6% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 15.7%
-15.3% YoY-1.1% QoQ
 +1.7% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#66 of 430 • Top 4.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.71%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#360 of 1006 • Top 13.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.28%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#451 of 1006 • Top 16.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.28%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#391 of 603 • Top 21.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.71%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.25%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 15.70%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (3)

Growth-at-Risk

risk
#239 of 446 • Bottom 15.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.08%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#453 of 736 • Bottom 18.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#380 of 525 • Bottom 23.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 11.23%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 15.70%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.71%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

8
Total Loans
balance_sheet
Value: $374.44M
Peer Avg: $147.80M
#8 of 1077 Top 0.6% in 100M-500M tier
19
Total Deposits
balance_sheet
Value: $416.56M
Peer Avg: $200.29M
#19 of 1077 Top 1.7% in 100M-500M tier
24
Total Assets
balance_sheet
Value: $475.64M
Peer Avg: $231.30M
#24 of 1077 Top 2.1% in 100M-500M tier
33
Total Members
engagement
Value: 36,616
Peer Avg: 15,628
#33 of 1077 Top 3.0% in 100M-500M tier
42
Deposit Growth Rate
growth
Value: 15.37%
Peer Avg: 4.69%
#42 of 1077 Top 3.8% in 100M-500M tier
84
Asset Growth Rate
growth
Value: 11.23%
Peer Avg: 4.70%
#84 of 1077 Top 7.7% in 100M-500M tier
86
Member Growth Rate
growth
Value: 5.71%
Peer Avg: 0.72%
#86 of 1077 Top 7.9% in 100M-500M tier
169
Loan-to-Share Ratio
balance_sheet
Value: 89.89%
Peer Avg: 72.70%
#169 of 1077 Top 15.6% in 100M-500M tier

Top Weaknesses (4 metrics)

999
Net Charge-Off Rate
risk
Value: 1.14%
Peer Avg: 0.47%
#999 of 1077 Bottom 7.3% in 100M-500M tier
994
Total Delinquency Rate (60+ days)
risk
Value: 1.94%
Peer Avg: 0.86%
#994 of 1077 Bottom 7.8% in 100M-500M tier
909
Return on Assets (ROA)
profitability
Value: 0.25%
Peer Avg: 0.79%
#909 of 1077 Bottom 15.7% in 100M-500M tier
843
Share Certificate Concentration (%)
balance_sheet
Value: 32.04%
Peer Avg: 23.61%
#843 of 1077 Bottom 21.8% in 100M-500M tier