BlastPoint's Credit Union Scorecard
ECCO
Charter #60077 · FL
ECCO has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Net Worth Ratio: Top 5.1% in tier
- + Average Member Relationship (AMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 3.8% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 6.2% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
953
+1.9% YoY-0.2% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$16.8M
-8.6% YoY-3.6% QoQ
|
$-13.1M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$12.1M
-6.4% YoY-0.5% QoQ
|
$-3.6M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$11.5M
-13.3% YoY-5.6% QoQ
|
$-14.0M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
1.0%
+6.1% YoY-8.9% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
3.7%
+6.9% YoY+4.3% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
72.9%
+0.7% YoY+5.7% QoQ
|
-8.5% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.0%
-90.5% YoY-14.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
105.6%
+7.9% YoY+5.5% QoQ
|
+44.4% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Top 2.4% in tier |
| AMR |
$24,797
-11.6% YoY-2.8% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 8.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)