FLORIDA CUSTOMS
Charter #378 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
FLORIDA CUSTOMS has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.5% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 9.12% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,042
-0.2% YoY-0.1% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
30th in tier |
| Assets |
$6.9M
-5.9% YoY-1.6% QoQ
|
$-22.9M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
25th in tier |
| Loans |
$2.7M
+5.6% YoY-2.1% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 21.6% in tier |
| Deposits |
$5.1M
-8.6% YoY-0.7% QoQ
|
$-20.4M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 23.8% in tier |
| ROA |
0.5%
+109.8% YoY+53.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
35th in tier |
| NIM |
4.6%
+12.7% YoY+4.6% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 23.8% in tier |
| Efficiency Ratio |
90.5%
-4.5% YoY-3.2% QoQ
|
+9.1% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Top 22.4% in tier |
| Delinquency Rate |
0.0%
-99.2% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
52.3%
+15.5% YoY-1.4% QoQ
|
-8.9% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
35th in tier |
| AMR |
$7,455
-4.0% YoY-1.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 16.8% in tier |
| CD Concentration |
18.7%
-5.9% YoY+0.8% QoQ
|
-5.7% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
118
Net Charge-Off Rate
risk
Value:
-0.09%
Peer Avg: 0.57%
#118 of 2596
Top 4.5% in <100M tier
253
Net Worth Ratio
risk
Value:
26.04%
Peer Avg: 16.43%
#253 of 2596
Top 9.7% in <100M tier
327
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#327 of 2596
Top 12.6% in <100M tier
343
Members Per Employee (MPE)
engagement
Value:
521.000
Peer Avg: 365.701
#343 of 2596
Top 13.2% in <100M tier
498
Loan Growth Rate
growth
Value:
5.57%
Peer Avg: 59.01%
#498 of 2596
Top 19.1% in <100M tier
618
Net Interest Margin (NIM)
profitability
Value:
4.60%
Peer Avg: 3.93%
#618 of 2596
Top 23.8% in <100M tier
Top Weaknesses (8 metrics)
2363
Deposit Growth Rate
growth
Value:
-8.62%
Peer Avg: 16.80%
#2363 of 2596
Bottom 9.0% in <100M tier
2290
Asset Growth Rate
growth
Value:
-5.94%
Peer Avg: 1.82%
#2290 of 2596
Bottom 11.8% in <100M tier
2161
Average Member Relationship (AMR)
engagement
Value:
$7,455
Peer Avg: $14,627
#2161 of 2596
Bottom 16.8% in <100M tier
2114
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,560
Peer Avg: $5,488
#2114 of 2596
Bottom 18.6% in <100M tier
2065
AMR Growth Rate
growth
Value:
-4.02%
Peer Avg: 4.67%
#2065 of 2596
Bottom 20.5% in <100M tier
2034
Total Loans
balance_sheet
Value:
$2.67M
Peer Avg: $15.77M
#2034 of 2596
Bottom 21.7% in <100M tier
2016
Efficiency Ratio
profitability
Value:
90.52%
Peer Avg: 81.39%
#2016 of 2596
Bottom 22.4% in <100M tier
1979
Total Deposits
balance_sheet
Value:
$5.10M
Peer Avg: $25.45M
#1979 of 2596
Bottom 23.8% in <100M tier