BlastPoint's Credit Union Scorecard
FLORIDA CUSTOMS
Charter #378 · FL
FLORIDA CUSTOMS has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.23% below tier average
- - Efficiency ratio 5.69% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -6.0% year over year ($4.8M in shares and deposits).
- Membership: 1,032 members, -1.1% vs a year ago.
- Delinquency rate 0.40%.
- Return on assets 0.27%.
- Efficiency ratio 94.46% vs a 88.77% peer average.
- Loan-to-share ratio 50.57% vs a 58.89% 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 |
1,032
-1.1% YoY-1.3% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$6.8M
-3.3% YoY-1.2% QoQ
|
$-23.5M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$2.4M
-10.4% YoY-2.5% QoQ
|
$-13.0M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$4.8M
-6.0% YoY-3.9% QoQ
|
$-21.0M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.3%
-11.9% YoY+273.3% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
4.5%
+2.9% YoY+1.5% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
94.5%
+1.0% YoY-4.1% QoQ
|
+5.7% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
0.4%
+19.7% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
50.6%
-4.7% YoY+1.5% QoQ
|
-8.3% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$7,042
-6.6% YoY-2.1% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.9% in tier |
| CD Concentration |
16.2%
-12.7% YoY+1.5% QoQ
|
-8.3% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)