COMMUNITY CREDIT UNION OF FLORIDA

Charter #60816 | FL

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

COMMUNITY CREDIT UNION OF FLORIDA has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.3% in tier
  • + Wallet Share Momentum: Top 3.0% in tier
  • + Emerging Performer: Top 29.5% 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
 43rd in tier
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
 44th in tier
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
 44th in tier
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
 39th in tier
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
 25th in tier
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
 50th in tier
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
 44th in tier
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%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Top 12.7% in tier
Indirect Auto % 18.8%
-12.1% YoY-1.2% QoQ
 -0.0% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 55th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#3 of 264 • Top 0.3% in tier

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

Why This Signature
AMR Growth (YoY): 11.20%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $8.3K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#23 of 264 • Top 3.0% in tier

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

Why This Signature
AMR Growth (YoY): 11.20%
(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 | Rank improving

Emerging Performer

growth
#157 of 184 • Top 29.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.55%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -4.02%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (3)

Stagnation Risk

risk
#15 of 85 • Bottom 5.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.55%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.02%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $41.0K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 39.57%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline
#28 of 85 • Bottom 11.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.02%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#104 of 202 • Bottom 16.7% in tier

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

Why This Signature
Asset Growth (YoY): 5.67%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 18.75%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): -4.02%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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 (4 metrics)

18
Loan-to-Member Ratio (LMR)
engagement
Value: $18,929
Peer Avg: $13,213
#18 of 304 Top 5.6% in 1B-3B tier
20
AMR Growth Rate
growth
Value: 11.20%
Peer Avg: 3.29%
#20 of 304 Top 6.2% in 1B-3B tier
25
Average Member Relationship (AMR)
engagement
Value: $40,970
Peer Avg: $29,172
#25 of 304 Top 7.9% in 1B-3B tier
32
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.83%
#32 of 304 Top 10.2% in 1B-3B tier

Top Weaknesses (4 metrics)

277
Member Growth Rate
growth
Value: -4.02%
Peer Avg: 2.20%
#277 of 304 Bottom 9.2% in 1B-3B tier
272
Share Certificate Concentration (%)
balance_sheet
Value: 39.57%
Peer Avg: 28.53%
#272 of 304 Bottom 10.9% in 1B-3B tier
272
Total Members
engagement
Value: 55,626
Peer Avg: 98,678
#272 of 304 Bottom 10.9% in 1B-3B tier
238
Members Per Employee (MPE)
engagement
Value: 297.465
Peer Avg: 364.953
#238 of 304 Bottom 22.0% in 1B-3B tier