BlastPoint's Credit Union Scorecard
COMMUNITY CREDIT UNION OF FLORIDA
Charter #60816 · FL
COMMUNITY CREDIT UNION OF FLORIDA has 6 strengths but faces 5 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 28.1% in tier
- + Wallet Share Momentum: Top 65.6% in tier
- + Organic Growth Engine: Top 95.9% in tier
- + Organic Growth Leader: Top 98.6% in tier
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
- + Average Member Relationship (AMR): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 54.0% in tier
- - Credit Quality Pressure: Bottom 58.6% in tier
- - Indirect Auto Dependency: Bottom 67.7% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 1.90% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,446
+0.6% YoY-0.3% QoQ
|
-42.0K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.6% in tier |
| Assets |
$1.5B
+6.1% YoY+0.8% QoQ
|
$-267.4M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$1.1B
+7.3% YoY+4.3% QoQ
|
$-136.2M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$1.2B
+7.5% YoY+1.3% QoQ
|
$-217.8M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
0.5%
+58.6% YoY-6.3% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
2.9%
+16.4% YoY-0.1% QoQ
|
-0.3% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
76.0%
+0.6% YoY+1.8% QoQ
|
+1.9% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.4%
+37.7% YoY+32.5% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
88.5%
-0.1% YoY+3.0% QoQ
|
+3.7% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$42,198
+6.8% YoY+3.0% QoQ
|
+$13K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 7.0% in tier |
| CD Concentration |
39.2%
-17.8% YoY-1.0% QoQ
|
+10.2% | 29.0% | 24.1% | 19.8% | Top 13.3% in tier |
| Indirect Auto % |
18.8%
-8.2% YoY+0.0% QoQ
|
+0.4% | 18.3% | 10.8% | 7.8% | 56% |
Signature Analysis
Strengths (4)
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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)