BlastPoint's Credit Union Scorecard
WE FLORIDA FINANCIAL
Charter #61525 · FL
WE FLORIDA FINANCIAL has 1 strength but faces 15 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
- + First Mortgage Concentration (%): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 0.0% in tier
- - Institutional Decline: Bottom 0.8% in tier
- - Stagnation Risk: Bottom 4.9% in tier
- - Membership Headwinds: Bottom 11.2% in tier
- - Shrinking Wallet Share: Bottom 27.0% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 0.86% above tier (higher cost structure)
- - Member decline: -7.8% YoY
- - Loan Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Member Growth Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
- - AMR Growth Rate: Bottom 6.1% in tier
- - Net Charge-Off Rate: Bottom 6.7% in tier
- - Share Certificate Concentration (%): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,800
-7.8% YoY-0.6% QoQ
|
+2.2K |
38,575
-4.8% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$702.0M
-5.7% YoY-2.4% QoQ
|
+$80.3M |
$621.7M
+0.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$462.8M
-18.6% YoY-0.2% QoQ
|
+$33.0M |
$429.8M
-1.8% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$628.1M
-7.0% YoY-2.7% QoQ
|
+$89.4M |
$538.7M
+0.6% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 11.5% in tier |
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 |
0.2%
-162.4% YoY+8.7% QoQ
|
-0.4% |
0.7%
+42.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
3.1%
+14.0% YoY+2.2% QoQ
|
-0.4% |
3.4%
+8.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
78.4%
-8.4% YoY+1.0% QoQ
|
+0.9% |
77.5%
-4.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.6%
-49.5% YoY-14.2% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
73.7%
-12.5% YoY+2.6% QoQ
|
-6.2% |
79.8%
-2.3% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$26,738
-4.9% YoY-1.1% QoQ
|
$-111 |
$26,849
+2.7% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
38.6%
-11.1% YoY-2.8% QoQ
|
+14.2% | 24.4% | 24.1% | 19.8% | Top 9.2% in tier |
| Indirect Auto % |
12.8%
-28.3% YoY-13.4% QoQ
|
-1.0% | 13.8% | 10.8% | 7.8% | 58% |
Signature Analysis
Strengths (0)
Concerns (5)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)