BlastPoint's Credit Union Scorecard
TAMPA BAY
Charter #352 · FL
TAMPA BAY has 12 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 4.9% in tier
- + Organic Growth Engine: Top 21.3% in tier
- + Wallet Share Momentum: Top 93.8% 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
- - Credit Risk Growth: 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 |
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| 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
|
16% |
| 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
|
58% |
| 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
|
52% |
| 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
|
84% |
| 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
|
45% |
| 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
|
50% |
| Indirect Auto % |
15.7%
-15.3% YoY-1.1% QoQ
|
+1.7% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)