BlastPoint's Credit Union Scorecard
FIRST FLORIDA
Charter #61170 · FL
FIRST FLORIDA has 2 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 32.5% in tier
- + Wallet Share Momentum: Top 32.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 36.5% in tier
- - Credit Risk Growth: Bottom 51.6% in tier
- - Credit Quality Pressure: Bottom 55.1% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 1.71% 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 +4.9% year over year ($1.14B in shares and deposits).
- Membership: 63,075 members, +0.1% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 0.71%.
- Efficiency ratio 74.73% vs a 73.02% peer average.
- Loan-to-share ratio 92.76% 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 |
63,075
+0.1% YoY+0.1% QoQ
|
-33.8K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$1.5B
+4.1% YoY+0.9% QoQ
|
$-254.6M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$1.1B
+5.6% YoY+0.9% QoQ
|
$-179.4M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$1.1B
+4.9% YoY+0.8% QoQ
|
$-326.2M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.7%
+93.9% YoY+11.5% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
3.0%
+10.3% YoY-0.1% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
74.7%
-8.0% YoY-0.3% QoQ
|
+1.7% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
0.7%
+2.5% YoY+4.2% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
92.8%
+0.7% YoY+0.1% QoQ
|
+8.0% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$34,753
+5.1% YoY+0.8% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
32.6%
+7.4% YoY+3.0% QoQ
|
+3.5% | 29.1% | 24.7% | 20.0% | 67% |
| Indirect Auto % |
11.5%
-6.5% YoY-2.6% QoQ
|
-6.6% | 18.1% | 10.8% | 7.7% | 40% |
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 (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
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)