BlastPoint's Credit Union Scorecard
KEYS
Charter #4135 · FL
KEYS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 1.28% 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 |
18,108
-1.0% YoY-1.0% QoQ
|
+3.0K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$257.9M
-2.1% YoY+3.3% QoQ
|
+$26.2M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$177.2M
-1.5% YoY-0.0% QoQ
|
+$33.0M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$223.8M
-3.0% YoY+3.5% QoQ
|
+$22.7M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.0%
-93.3% YoY-95.6% QoQ
|
-0.7% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.4% in tier |
| NIM |
4.5%
-1.3% YoY-4.5% QoQ
|
+0.9% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
79.3%
+13.6% YoY+11.4% QoQ
|
+1.3% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
1.0%
+38.0% YoY-38.2% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
79.2%
+1.5% YoY-3.4% QoQ
|
+8.7% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$22,143
-1.3% YoY+3.0% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
19.3%
+3.4% YoY-5.2% QoQ
|
-4.9% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
0.9%
-47.2% YoY-17.3% QoQ
|
-12.9% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)