BlastPoint's Credit Union Scorecard
WE FLORIDA FINANCIAL
Charter #61525 · FL
WE FLORIDA FINANCIAL has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 6.0% in tier
- + Total Deposits: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 10.7% in tier
- - Efficiency Drag: Bottom 25.0% in tier
- - Shrinking Wallet Share: Bottom 91.2% in tier
- - Stagnation Risk: Bottom 95.0% in tier
- - Accelerating Exit Risk: Bottom 95.0% in tier
- - Membership Headwinds: Bottom 95.0% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 7.42% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,632
-7.3% YoY-0.4% QoQ
|
+2.6K |
38,079
-4.8% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$709.0M
-3.5% YoY+1.0% QoQ
|
+$89.3M |
$619.7M
-0.2% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$442.9M
-16.5% YoY-4.3% QoQ
|
+$23.5M |
$419.3M
-1.4% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$634.5M
-4.5% YoY+1.0% QoQ
|
+$95.1M |
$539.5M
-0.1% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
Top 10.2% in tier |
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| ROA |
0.4%
-201.2% YoY+66.5% QoQ
|
-0.3% |
0.7%
+36.0% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
2.9%
+8.2% YoY-4.2% QoQ
|
-0.5% |
3.5%
+4.5% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
85.8%
-1.7% YoY+9.5% QoQ
|
+7.4% |
78.4%
-3.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate |
0.6%
-41.5% YoY+1.8% QoQ
|
-0.1 |
0.7%
-0.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
52% |
| Loan To Share |
69.8%
-12.6% YoY-5.3% QoQ
|
-7.9% |
77.7%
-1.2% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$26,517
-2.7% YoY-0.8% QoQ
|
$-411 |
$26,927
+3.1% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
36.6%
-9.7% YoY-5.3% QoQ
|
+12.3% | 24.3% | 24.4% | 19.8% | Top 11.7% in tier |
| Indirect Auto % |
11.6%
-31.3% YoY-9.2% QoQ
|
-2.2% | 13.8% | 10.8% | 7.7% | 56% |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)