BlastPoint's Credit Union Scorecard
COMMUNITY CREDIT UNION OF FLORIDA
Charter #60816 · FL
COMMUNITY CREDIT UNION OF FLORIDA has 4 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
- + Relationship Depth Leader: Top 23.7% in tier
- + Wallet Share Momentum: Top 23.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.2% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 34.7% in tier
- - Liquidity Strain: Bottom 35.8% in tier
- - Indirect Auto Dependency: Bottom 39.7% in tier
- - Credit Quality Pressure: Bottom 54.2% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 5.24% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,055
+1.8% YoY+1.1% QoQ
|
-40.0K |
96,048
-2.7% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
Bottom 11.4% in tier |
| Assets |
$1.4B
+6.1% YoY-0.5% QoQ
|
$-271.1M |
$1.7B
+0.4% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$1.1B
+8.1% YoY+1.8% QoQ
|
$-96.1M |
$1.2B
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$1.2B
+7.9% YoY-0.8% QoQ
|
$-233.7M |
$1.5B
+0.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
+67.8% YoY-34.4% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
2.9%
+5.0% YoY+0.1% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
79.9%
-0.5% YoY+5.1% QoQ
|
+5.2% |
74.6%
-3.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
0.3%
+6.6% YoY-27.7% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
Top 11.8% in tier |
| Loan To Share |
90.7%
+0.1% YoY+2.6% QoQ
|
+7.5% |
83.2%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$41,912
+6.1% YoY-0.7% QoQ
|
+$12K |
$29,652
+2.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Top 7.5% in tier |
| CD Concentration |
36.5%
-4.3% YoY-6.8% QoQ
|
+7.7% | 28.8% | 24.4% | 19.8% | 82% |
| Indirect Auto % |
19.5%
-0.9% YoY+3.7% QoQ
|
+1.4% | 18.1% | 10.8% | 7.7% | 59% |
Signature Analysis
Strengths (2)
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.
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)