BlastPoint's Credit Union Scorecard
FIRST FLORIDA
Charter #61170 · FL
FIRST FLORIDA has 3 strengths but faces 3 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
- + Organic Growth Engine: Top 32.0% in tier
- + Organic Growth Leader: Top 32.4% in tier
- + Relationship Depth Leader: Top 59.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.0% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 5.05% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,918
+1.0% YoY-0.1% QoQ
|
-35.8K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$1.4B
+4.2% YoY+1.5% QoQ
|
$-286.5M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$1.0B
+9.6% YoY+2.0% QoQ
|
$-214.0M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$1.1B
+1.0% YoY+0.8% QoQ
|
$-361.2M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
30% |
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 |
0.5%
+26.5% YoY+24.2% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
2.8%
+5.5% YoY+1.2% QoQ
|
-0.5% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
79.0%
+4.9% YoY-2.7% QoQ
|
+5.1% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.6%
-8.2% YoY-7.7% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
93.2%
+8.5% YoY+1.2% QoQ
|
+8.0% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$33,571
+3.9% YoY+1.5% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
31.4%
+1.1% YoY+3.6% QoQ
|
+2.5% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
64% |
| Indirect Auto % |
13.1%
+28.5% YoY+6.5% QoQ
|
-5.6% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
42% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)