BlastPoint's Credit Union Scorecard
COMMUNITY CREDIT UNION OF FLORIDA
Charter #60816 · FL
COMMUNITY CREDIT UNION OF FLORIDA has 4 strengths but faces 4 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 50.8% in tier
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
- + Total Delinquency Rate (60+ days): Top 5.7% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 36.8% in tier
- - Indirect Auto Dependency: Bottom 78.8% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 2.81% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +2.5% year over year ($1.23B in shares and deposits).
- Membership: 56,406 members, +2.2% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 0.50%.
- Efficiency ratio 75.83% vs a 73.02% peer average.
- Loan-to-share ratio 92.73% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,406
+2.2% YoY+0.6% QoQ
|
-40.5K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Bottom 11.0% in tier |
| Assets |
$1.4B
+1.7% YoY-0.2% QoQ
|
$-278.0M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$1.1B
+8.7% YoY+1.8% QoQ
|
$-96.7M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$1.2B
+2.5% YoY-0.4% QoQ
|
$-236.7M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
43% |
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| ROA |
0.5%
+18.6% YoY+48.1% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.2%
+9.3% YoY+9.4% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
75.8%
-0.1% YoY-5.1% QoQ
|
+2.8% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.2%
-35.0% YoY-17.9% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
Top 5.7% in tier |
| Loan To Share |
92.7%
+6.1% YoY+2.2% QoQ
|
+8.0% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$41,914
+3.1% YoY+0.0% QoQ
|
+$12K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Top 7.0% in tier |
| CD Concentration |
37.2%
-4.4% YoY+1.8% QoQ
|
+8.1% | 29.1% | 24.7% | 20.0% | 83% |
| Indirect Auto % |
19.9%
+5.0% YoY+2.4% QoQ
|
+1.9% | 18.1% | 10.8% | 7.7% | 60% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)