BlastPoint's Credit Union Scorecard
KEYS
Charter #4135 · FL
KEYS has 1 strength but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.08% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.1% in tier
- - Credit Risk Growth: Bottom 16.2% in tier
- - Shrinking Wallet Share: Bottom 20.9% in tier
- - Deposit Outflow: Bottom 61.2% in tier
- - ROA 0.36% below tier average
- - Delinquency rate 0.92% above tier average
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Deposit Growth Rate: Bottom 9.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,316
+0.3% YoY-0.3% QoQ
|
+2.7K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$250.0M
+0.0% YoY-2.5% QoQ
|
+$18.7M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$177.9M
+0.9% YoY-2.3% QoQ
|
+$30.1M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$216.2M
-2.0% YoY-3.3% QoQ
|
+$15.9M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
0.4%
-62.2% YoY+34.4% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
4.7%
+9.2% YoY+2.4% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
70.5%
-4.4% YoY-2.9% QoQ
|
-6.8% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.8%
+113.6% YoY+99.3% QoQ
|
+0.9 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Top 9.6% in tier |
| Loan To Share |
82.3%
+3.0% YoY+1.1% QoQ
|
+9.6% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$21,516
-1.0% YoY-2.6% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
19.5%
+5.4% YoY+3.4% QoQ
|
-4.9% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.4%
-45.9% YoY-14.1% QoQ
|
-12.6% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)