BlastPoint's Credit Union Scorecard
MEMBERS FIRST CREDIT UNION OF FLORI
Charter #61160 · FL
MEMBERS FIRST CREDIT UNION OF FLORI has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.10% above tier average
- + Net Interest Margin 0.15% above tier average
- + Fee Income Per Member: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,401
-0.7% YoY+0.4% QoQ
|
+4.3K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$314.4M
+4.5% YoY+1.3% QoQ
|
+$82.7M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$134.7M
-3.1% YoY-1.0% QoQ
|
$-9.4M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$265.3M
+3.0% YoY+1.1% QoQ
|
+$64.1M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
1.8%
+7.6% YoY+14.2% QoQ
|
+1.1% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Top 5.6% in tier |
| NIM |
3.8%
-2.2% YoY-2.3% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
63.9%
+4.1% YoY-0.9% QoQ
|
-14.1% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
0.4%
+155.8% YoY+18.1% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
50.8%
-6.0% YoY-2.1% QoQ
|
-19.6% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.8% in tier |
| AMR |
$20,616
+1.5% YoY+0.0% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
15.5%
+13.7% YoY+4.9% QoQ
|
-8.8% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
24.7%
+2.2% YoY-0.4% QoQ
|
+10.9% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)