BlastPoint's Credit Union Scorecard
COMMUNITY CREDIT UNION OF FLORIDA
Charter #60816 · FL
COMMUNITY CREDIT UNION OF FLORIDA has 6 strengths but faces 7 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
- + Relationship Depth Leader: Top 10.6% in tier
- + Wallet Share Momentum: Top 19.1% in tier
- + Credit Quality Leader: Top 43.6% in tier
- + Loan-to-Member Ratio (LMR): Top 5.6% in tier
- + AMR Growth Rate: Top 6.2% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.9% in tier
- - Membership Headwinds: Bottom 11.3% in tier
- - Indirect Auto Dependency: Bottom 16.7% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 0.64% above tier (higher cost structure)
- - Member decline: -4.0% YoY
- - Member Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,626
-4.0% YoY+0.8% QoQ
|
-43.1K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Bottom 10.5% in tier |
| Assets |
$1.4B
+5.7% YoY+1.6% QoQ
|
$-274.5M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$1.1B
+6.8% YoY+0.6% QoQ
|
$-180.1M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$1.2B
+6.7% YoY+2.4% QoQ
|
$-228.3M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
0.5%
+30.1% YoY+30.2% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
2.9%
+14.6% YoY-0.1% QoQ
|
-0.3% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
74.6%
+0.9% YoY-1.7% QoQ
|
+0.6% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.3%
-15.5% YoY-17.4% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 10.2% in tier |
| Loan To Share |
85.9%
+0.1% YoY-1.8% QoQ
|
+0.7% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$40,970
+11.2% YoY+0.8% QoQ
|
+$12K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 8.2% in tier |
| CD Concentration |
39.6%
-20.2% YoY+1.8% QoQ
|
+10.6% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
Top 12.6% in tier |
| Indirect Auto % |
18.8%
-12.1% YoY-1.2% QoQ
|
-0.0% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
55% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)