BlastPoint's Credit Union Scorecard

FLORIDA CUSTOMS

Charter #378 · FL

<100M

2508 CUs in <100M nationally 35 in FL

FLORIDA CUSTOMS has 2 strengths but faces 2 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

+ Net Interest Margin 0.45% above tier average
+ Net Worth Ratio: Top 8.9% in tier

Key Concerns

Areas that may need attention

- ROA 0.08% below tier average
- Efficiency ratio 7.85% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	1,046 -0.4% YoY+0.2% QoQ	-1.6K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	30%
Assets	$6.9M -5.1% YoY+0.4% QoQ	$-23.3M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	25%
Loans	$2.5M -1.8% YoY-2.3% QoQ	$-12.8M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	21%
Deposits	$5.0M -7.7% YoY+0.3% QoQ	$-20.8M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	23%

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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	0.1% -21.2% YoY-84.9% QoQ	-0.1%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	24%
NIM	4.5% +5.7% YoY-4.7% QoQ	+0.5%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	98.5% +0.5% YoY+8.8% QoQ	+7.9%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	0.3% +248.7% QoQ	-1.2	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	36%
Loan To Share	49.8% +6.4% YoY-2.6% QoQ	-8.7%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	36%
AMR	$7,197 -5.5% YoY-0.7% QoQ	$-8K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	16%
CD Concentration	16.0% -12.3% YoY-16.2% QoQ	-8.3%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

225

Net Worth Ratio

risk

Value: 26.33%

Peer Median: 14.28%

#225 of 2508 Top 8.9% in <100M tier

278

Net Charge-Off Rate

risk

Value: -0.07%

Peer Median: 0.07%

#278 of 2508 Top 11.0% in <100M tier

315

Members Per Employee (MPE)

engagement

Value: 523.000

Peer Median: 333.750

#315 of 2508 Top 12.5% in <100M tier

615

Net Interest Margin (NIM)

profitability

Value: 4.46%

Peer Median: 3.83%

#615 of 2508 Top 24.5% in <100M tier

Top Weaknesses (11 metrics)

2246

Deposit Growth Rate

growth

Value: -7.73%

Peer Median: 0.66%

#2246 of 2508 Bottom 10.5% in <100M tier

2162

Asset Growth Rate

growth

Value: -5.08%

Peer Median: 1.30%

#2162 of 2508 Bottom 13.8% in <100M tier

2120

AMR Growth Rate

growth

Value: -5.48%

Peer Median: 1.27%

#2120 of 2508 Bottom 15.5% in <100M tier

2119

Average Member Relationship (AMR)

engagement

Value: $7,197

Peer Median: $13,926

#2119 of 2508 Bottom 15.6% in <100M tier

2079

Efficiency Ratio

profitability

Value: 98.48%

Peer Median: 81.45%

#2079 of 2508 Bottom 17.1% in <100M tier

2066

Loan-to-Member Ratio (LMR)

engagement

Value: $2,393

Peer Median: $4,923

#2066 of 2508 Bottom 17.7% in <100M tier

1979

Total Loans

balance_sheet

Value: $2.50M

Peer Median: $9.48M

#1979 of 2508 Bottom 21.1% in <100M tier

1931

Total Deposits

balance_sheet

Value: $5.02M

Peer Median: $18.77M

#1931 of 2508 Bottom 23.0% in <100M tier

1911

Fee Income Per Member

profitability

Value: $14.95

Peer Median: $60.42

#1911 of 2508 Bottom 23.8% in <100M tier

1905

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Median: 0.61%

#1905 of 2508 Bottom 24.1% in <100M tier