BlastPoint's Credit Union Scorecard
KEYS
Charter #4135 · FL
KEYS has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.91% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.59% below tier average
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 9.6% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -2.2% year over year ($219M in shares and deposits).
- Membership: 17,936 members, -2.3% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 0.28%.
- Efficiency ratio 74.87% vs a 76.73% peer average.
- Loan-to-share ratio 80.63% vs a 71.54% 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 |
17,936
-2.3% YoY-0.9% QoQ
|
+2.8K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$253.2M
-1.3% YoY-1.9% QoQ
|
+$21.1M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$176.3M
-3.2% YoY-0.5% QoQ
|
+$30.0M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$218.6M
-2.2% YoY-2.3% QoQ
|
+$17.9M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
0.3%
-14.0% YoY
|
-0.6% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.8% in tier |
| NIM |
4.6%
+0.9% YoY+2.2% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
74.9%
+3.2% YoY-5.6% QoQ
|
-1.9% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
0.9%
-0.9% YoY-11.2% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
80.6%
-1.0% YoY+1.9% QoQ
|
+9.1% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$22,015
-0.4% YoY-0.6% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
20.2%
+6.9% YoY+4.3% QoQ
|
-4.4% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
0.8%
-53.3% YoY-20.4% QoQ
|
-12.9% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)