BlastPoint's Credit Union Scorecard

TAMPA BAY

Charter #352 · FL

100M-500M
1070 CUs in 100M-500M nationally 36 in FL

TAMPA BAY has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?
FL Analysis

How does FL stack up?

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 0.13% above tier average
  • + Total Loans: Top 0.2% in tier
  • + Total Assets: Top 0.7% in tier
  • + Total Deposits: Top 1.4% in tier
  • + Total Members: Top 2.1% in tier
  • + Loan-to-Share Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Liquidity Strain: Bottom 50.0% in tier
  • - ROA 0.35% below tier average
  • - Delinquency rate 0.91% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
  • - Deposit Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 37,133
+4.9% YoY+1.6% QoQ
 +22.0K 15,145
-2.5% YoY
 74,034
+8.9% YoY
 33,913
+5.7% YoY
 Top 2.2% in tier
Assets $493.0M
-0.4% YoY+3.2% QoQ
 +$261.3M $231.7M
+0.8% YoY
 $1.2B
+11.7% YoY
 $578.3M
+9.0% YoY
 Top 0.7% in tier
Loans $383.6M
+7.4% YoY+3.2% QoQ
 +$239.5M $144.1M
+0.2% YoY
 $841.5M
+13.6% YoY
 $402.4M
+8.7% YoY
 Top 0.3% in tier
Deposits $421.5M
-2.0% YoY+3.7% QoQ
 +$220.4M $201.1M
+0.4% YoY
 $1.0B
+12.4% YoY
 $494.3M
+9.1% YoY
 Top 1.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.4%
+195.1% YoY+1.1% QoQ
 -0.4% 0.7%
+5.1% YoY
 0.6%
-11.7% YoY
 0.4%
-39.2% YoY
 28%
NIM 3.8%
+4.9% YoY-1.9% QoQ
 +0.1% 3.6%
+4.6% YoY
 3.6%
+2.7% YoY
 3.8%
+4.1% YoY
 60%
Efficiency Ratio 77.2%
-6.6% YoY+1.6% QoQ
 -0.8% 78.0%
-1.7% YoY
 80.0%
+2.7% YoY
 84.6%
+2.8% YoY
 44%
Delinquency Rate 1.7%
-8.8% YoY-21.1% QoQ
 +0.9 0.8%
+7.1% YoY
 0.6%
+6.2% YoY
 1.2%
+3.4% YoY
 Bottom 7.9% in tier
Loan To Share 91.0%
+9.6% YoY-0.4% QoQ
 +20.6% 70.4%
-0.4% YoY
 70.1%
+1.4% YoY
 65.6%
-1.4% YoY
 Top 10.0% in tier
AMR $21,682
-2.5% YoY+1.8% QoQ
 $-3K $24,918
+2.7% YoY
 $23,044
+4.5% YoY
 $19,920
+1.6% YoY
 42%
CD Concentration 22.6%
-29.5% YoY-16.2% QoQ
 -1.7% 24.3% 24.4% 19.8% 50%
Indirect Auto % 15.0%
-8.2% YoY-3.3% QoQ
 +1.2% 13.8% 10.8% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#85 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.90%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 14.97%
(Tier: 13.80%, National: 7.73%)
but worse than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#270 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.90%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.37%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 14.97%
(Tier: 13.80%, National: 7.73%)
but worse than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Deposit Outflow

decline
#27 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.02%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 4.90%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline
#129 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.52%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Liquidity Strain

risk
#142 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.02%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 7.40%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally
→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

3
Total Loans
balance_sheet
Value: $383.64M
Peer Median: $121.41M
#3 of 1070 Top 0.2% in 100M-500M tier
8
Total Assets
balance_sheet
Value: $492.99M
Peer Median: $196.57M
#8 of 1070 Top 0.7% in 100M-500M tier
16
Total Deposits
balance_sheet
Value: $421.49M
Peer Median: $171.29M
#16 of 1070 Top 1.4% in 100M-500M tier
24
Total Members
engagement
Value: 37,133
Peer Median: 13,200
#24 of 1070 Top 2.1% in 100M-500M tier
107
Loan-to-Share Ratio
balance_sheet
Value: 91.02%
Peer Median: 71.88%
#107 of 1070 Top 9.9% in 100M-500M tier
116
Member Growth Rate
growth
Value: 4.90%
Peer Median: -0.06%
#116 of 1070 Top 10.7% in 100M-500M tier

Top Weaknesses (5 metrics)

986
Total Delinquency Rate (60+ days)
risk
Value: 1.68%
Peer Median: 0.61%
#986 of 1070 Bottom 7.9% in 100M-500M tier
966
Deposit Growth Rate
growth
Value: -2.02%
Peer Median: 3.30%
#966 of 1070 Bottom 9.8% in 100M-500M tier
962
AMR Growth Rate
growth
Value: -2.52%
Peer Median: 3.46%
#962 of 1070 Bottom 10.2% in 100M-500M tier
948
Net Charge-Off Rate
risk
Value: 1.02%
Peer Median: 0.35%
#948 of 1070 Bottom 11.5% in 100M-500M tier
915
Asset Growth Rate
growth
Value: -0.44%
Peer Median: 3.91%
#915 of 1070 Bottom 14.6% in 100M-500M tier
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