BlastPoint's Credit Union Scorecard
TAMPA BAY
Charter #352 · FL
TAMPA BAY has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.17% above tier average
- + Total Loans: Top 0.1% in tier
- + Total Assets: Top 0.7% in tier
- + Total Deposits: Top 1.8% in tier
- + Total Members: Top 2.3% in tier
- + Loan-to-Share Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - ROA 0.40% below tier average
- - Delinquency rate 0.90% above tier average
- - Deposit Growth Rate: Bottom 6.3% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -3.3% year over year ($418M in shares and deposits).
- Membership: 37,394 members, +2.4% vs a year ago.
- Delinquency rate 1.78%.
- Return on assets 0.47%.
- Efficiency ratio 76.36% vs a 76.73% peer average.
- Loan-to-share ratio 93.26% vs a 71.54% 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 |
37,394
+2.4% YoY+0.7% QoQ
|
+22.2K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Top 2.4% in tier |
| Assets |
$493.9M
+0.8% YoY+0.2% QoQ
|
+$261.9M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Top 0.8% in tier |
| Loans |
$389.8M
+4.1% YoY+1.6% QoQ
|
+$243.6M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 0.2% in tier |
| Deposits |
$418.0M
-3.3% YoY-0.8% QoQ
|
+$217.3M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Top 1.9% in tier |
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| ROA |
0.5%
+247.2% YoY+25.1% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.9%
+9.0% YoY+2.5% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
76.4%
-7.2% YoY-1.1% QoQ
|
-0.4% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
1.8%
-9.4% YoY+5.6% QoQ
|
+0.9 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.5% in tier |
| Loan To Share |
93.3%
+7.7% YoY+2.5% QoQ
|
+21.7% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Top 8.8% in tier |
| AMR |
$21,604
-2.2% YoY-0.4% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
22.5%
-28.3% YoY-0.3% QoQ
|
-2.0% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
14.7%
-7.6% YoY-2.1% QoQ
|
+1.0% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)