FLORIDA

Charter #60497 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

FLORIDA has 15 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 1.9% in tier
  • + Wallet Share Momentum: Top 13.2% in tier
  • + Relationship Depth Leader: Top 15.0% in tier
  • + ROA 0.83% above tier average
  • + Net Interest Margin 0.63% above tier average
  • + Strong member growth: 7.6% YoY
  • + Efficiency Ratio: Top 0.3% in tier
  • + First Mortgage Concentration (%): Top 1.0% in tier
  • + Members Per Employee (MPE): Top 3.3% in tier
  • + Total Members: Top 5.3% in tier
  • + Asset Growth Rate: Top 5.6% in tier
  • + Deposit Growth Rate: Top 6.6% in tier
  • + Total Loans: Top 6.6% in tier
  • + Member Growth Rate: Top 8.9% in tier
  • + Loan Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.4% in tier
  • - Liquidity Strain: Bottom 8.6% in tier
  • - Growth-at-Risk: Bottom 13.1% in tier
  • - Credit Quality Pressure: Bottom 23.9% in tier
  • - Liquidity Overhang: Bottom 29.3% in tier
  • - Share Certificate Concentration (%): Bottom 1.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 174,618
+7.6% YoY+1.8% QoQ
 +75.9K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 5.6% in tier
Assets $2.5B
+13.0% YoY+4.1% QoQ
 +$811.7M $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 14.5% in tier
Loans $2.1B
+14.0% YoY+3.1% QoQ
 +$833.3M $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 6.9% in tier
Deposits $2.1B
+13.5% YoY+4.6% QoQ
 +$681.6M $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 13.5% in tier
ROA 1.5%
-0.4% YoY+0.4% QoQ
 +0.8% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Top 5.3% in tier
NIM 3.9%
+0.4% YoY-0.0% QoQ
 +0.6% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Top 14.1% in tier
Efficiency Ratio 53.8%
-4.0% YoY-1.5% QoQ
 -20.2% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Bottom 0.3% in tier
Delinquency Rate 0.7%
+4.3% YoY+8.7% QoQ
 -0.1 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 51st in tier
Loan To Share 96.7%
+0.5% YoY-1.4% QoQ
 +11.5% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Top 19.7% in tier
AMR $24,066
+5.7% YoY+2.0% QoQ
 $-5K $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 30th in tier
CD Concentration 51.9%
+3.5% YoY-0.5% QoQ
 +22.9% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Top 1.3% in tier
Indirect Auto % 40.2%
+3.9% YoY+0.2% QoQ
 +21.4% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 11.9% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#15 of 246 • Top 1.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.58%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.54%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 40.20%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY

Wallet Share Momentum

growth
#96 of 264 • Top 13.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.70%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#109 of 264 • Top 15.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.70%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#22 of 202 • Bottom 3.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 12.97%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 40.20%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.58%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#46 of 183 • Bottom 8.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.74%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.98%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Growth-at-Risk

risk
#74 of 161 • Bottom 13.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 13.98%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#184 of 217 • Bottom 23.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Liquidity Overhang

risk
#95 of 113 • Bottom 29.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.86%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 96.74%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (15 metrics)

2
Efficiency Ratio
profitability
Value: 53.77%
Peer Avg: 73.97%
#2 of 304 Top 0.3% in 1B-3B tier
4
First Mortgage Concentration (%)
balance_sheet
Value: 8.92%
Peer Avg: 34.01%
#4 of 304 Top 1.0% in 1B-3B tier
11
Members Per Employee (MPE)
engagement
Value: 540.613
Peer Avg: 364.953
#11 of 304 Top 3.3% in 1B-3B tier
16
Return on Assets (ROA)
profitability
Value: 1.54%
Peer Avg: 0.70%
#16 of 304 Top 4.9% in 1B-3B tier
17
Total Members
engagement
Value: 174,618
Peer Avg: 98,678
#17 of 304 Top 5.3% in 1B-3B tier
18
Asset Growth Rate
growth
Value: 12.97%
Peer Avg: 4.83%
#18 of 304 Top 5.6% in 1B-3B tier
21
Deposit Growth Rate
growth
Value: 13.47%
Peer Avg: 5.58%
#21 of 304 Top 6.6% in 1B-3B tier
21
Total Loans
balance_sheet
Value: $2.07B
Peer Avg: $1.23B
#21 of 304 Top 6.6% in 1B-3B tier
28
Member Growth Rate
growth
Value: 7.58%
Peer Avg: 2.20%
#28 of 304 Top 8.9% in 1B-3B tier
28
Loan Growth Rate
growth
Value: 13.98%
Peer Avg: 5.27%
#28 of 304 Top 8.9% in 1B-3B tier

Top Weaknesses (3 metrics)

300
Share Certificate Concentration (%)
balance_sheet
Value: 51.87%
Peer Avg: 28.53%
#300 of 304 Bottom 1.6% in 1B-3B tier
272
Indirect Auto Concentration (%)
balance_sheet
Value: 40.20%
Peer Avg: 18.32%
#272 of 304 Bottom 10.9% in 1B-3B tier
255
Net Charge-Off Rate
risk
Value: 0.97%
Peer Avg: 0.60%
#255 of 304 Bottom 16.4% in 1B-3B tier