BlastPoint's Credit Union Scorecard
FLORIDA
Charter #60497 · FL
FLORIDA has 15 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.7% in tier
- + Wallet Share Momentum: Top 61.5% in tier
- + ROA 0.87% above tier average
- + Net Interest Margin 0.52% above tier average
- + Strong member growth: 7.5% YoY
- + First Mortgage Concentration (%): Top 0.7% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
- + Total Members: Top 4.3% in tier
- + Total Loans: Top 5.0% in tier
- + Deposit Growth Rate: Top 5.3% in tier
- + Asset Growth Rate: Top 6.0% in tier
- + Loan Growth Rate: Top 9.3% in tier
- + Total Assets: Top 9.9% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.3% in tier
- - Credit Risk Growth: Bottom 20.2% in tier
- - Liquidity Strain: Bottom 25.5% in tier
- - Credit Quality Pressure: Bottom 57.1% in tier
- - Share Certificate Concentration (%): Bottom 1.7% in tier
- - Indirect Auto Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
177,623
+7.5% YoY+1.7% QoQ
|
+80.2K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 4.6% in tier |
| Assets |
$2.6B
+15.1% YoY+4.2% QoQ
|
+$913.2M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 10.3% in tier |
| Loans |
$2.1B
+14.5% YoY+3.4% QoQ
|
+$901.9M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 5.3% in tier |
| Deposits |
$2.2B
+15.6% YoY+4.3% QoQ
|
+$768.0M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 10.3% in tier |
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| ROA |
1.6%
+0.1% YoY+1.1% QoQ
|
+0.9% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Top 3.6% in tier |
| NIM |
3.8%
-1.0% YoY-2.5% QoQ
|
+0.5% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
53.0%
-4.5% YoY-1.5% QoQ
|
-21.1% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
0.8%
+14.9% YoY+15.6% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
95.9%
-1.0% YoY-0.9% QoQ
|
+11.1% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$24,567
+7.0% YoY+2.1% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
52.4%
+3.5% YoY+1.1% QoQ
|
+23.4% | 29.0% | 24.1% | 19.8% | Top 1.3% in tier |
| Indirect Auto % |
40.1%
+3.1% YoY-0.3% QoQ
|
+21.8% | 18.3% | 10.8% | 7.8% | Top 10.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)