BlastPoint's Credit Union Scorecard

WE FLORIDA FINANCIAL

Charter #61525 · FL

Community 500M-750M

165 CUs in 500M-750M nationally 6 in FL

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WE FLORIDA FINANCIAL has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ First Mortgage Concentration (%): Top 4.8% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 11.7% in tier
- Efficiency Drag: Bottom 23.5% in tier
- Accelerating Exit Risk: Bottom 74.4% in tier
- Stagnation Risk: Bottom 74.4% in tier
- Membership Headwinds: Bottom 74.4% in tier
- Shrinking Wallet Share: Bottom 96.2% in tier
- ROA 0.23% below tier average
- Efficiency ratio 8.05% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Florida.
Shares and deposits -4.1% year over year ($624M in shares and deposits).
Membership: 40,348 members, -2.1% vs a year ago.
Delinquency rate 0.65%.
Return on assets 0.59%.
Efficiency ratio 84.61% vs a 76.56% peer average.
Loan-to-share ratio 70.66% vs a 79.33% 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	40,348 -2.1% YoY-0.7% QoQ	+2.5K	37,897 -5.0% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	61%
Assets	$700.5M -3.2% YoY-1.2% QoQ	+$78.1M	$622.4M +0.6% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	76%
Loans	$441.0M -11.1% YoY-0.4% QoQ	+$12.5M	$428.5M -0.7% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	54%
Deposits	$624.1M -4.1% YoY-1.6% QoQ	+$84.4M	$539.8M +0.9% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	Top 14.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -1124.1% YoY+45.3% QoQ	-0.2%	0.8% +39.5% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	39%
NIM	3.0% +3.5% YoY+1.7% QoQ	-0.6%	3.5% +5.0% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	Bottom 13.9% in tier
Efficiency Ratio	84.6% +6.9% YoY-1.4% QoQ	+8.0%	76.6% -3.6% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	79%
Delinquency Rate	0.6% -31.2% YoY+1.6% QoQ	-0.2	0.8% +3.1% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	46%
Loan To Share	70.7% -7.3% YoY+1.2% QoQ	-8.7%	79.3% -1.4% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	22%
AMR	$26,399 -5.2% YoY-0.4% QoQ	$-895	$27,294 +4.1% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	56%
CD Concentration	35.2% -11.9% YoY-3.7% QoQ	+10.7%	24.6%	24.7%	20.0%	84%
Indirect Auto %	10.0% -36.7% YoY-13.3% QoQ	-3.6%	13.6%	10.8%	7.7%	54%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Accelerating Exit Risk

decline

#7 of 46 • Bottom 74.4% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -2.05%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -5.19%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 276 Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | Rank improving

Institutional Decline

decline

#35 of 230 • Bottom 11.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $700.49M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -2.05%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -11.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#50 of 223 • Bottom 96.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.19%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 276 Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Stagnation Risk

risk

#154 of 549 • Bottom 74.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.05%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -11.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.65%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#331 of 549 • Bottom 74.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.05%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Efficiency Drag

risk

#405 of 531 • Bottom 23.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.61%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.65% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -2.05%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 13.22%

Peer Median: 34.05%

#9 of 165 Top 4.8% in 500M-750M tier

Total Deposits

balance_sheet

Value: $624.14M

Peer Median: $542.48M

#24 of 165 Top 13.9% in 500M-750M tier

Total Assets

balance_sheet

Value: $700.49M

Peer Median: $621.76M

#40 of 165 Top 23.6% in 500M-750M tier

Top Weaknesses (10 metrics)

162

Loan Growth Rate

growth

Value: -11.12%

Peer Median: 4.82%

#162 of 165 Bottom 2.4% in 500M-750M tier

161

AMR Growth Rate

growth

Value: -5.19%

Peer Median: 3.83%

#161 of 165 Bottom 3.0% in 500M-750M tier

157

Asset Growth Rate

growth

Value: -3.15%

Peer Median: 4.61%

#157 of 165 Bottom 5.5% in 500M-750M tier

157

Deposit Growth Rate

growth

Value: -4.10%

Peer Median: 4.04%

#157 of 165 Bottom 5.5% in 500M-750M tier

142

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.55%

#142 of 165 Bottom 14.5% in 500M-750M tier

137

Net Charge-Off Rate

risk

Value: 0.85%

Peer Median: 0.41%

#137 of 165 Bottom 17.6% in 500M-750M tier

137

Share Certificate Concentration (%)

balance_sheet

Value: 35.23%

Peer Median: 26.69%

#137 of 165 Bottom 17.6% in 500M-750M tier

132

Efficiency Ratio

profitability

Value: 84.61%

Peer Median: 77.45%

#132 of 165 Bottom 20.6% in 500M-750M tier

128

Loan-to-Share Ratio

balance_sheet

Value: 70.66%

Peer Median: 81.50%

#128 of 165 Bottom 23.0% in 500M-750M tier

126

Member Growth Rate

growth

Value: -2.05%

Peer Median: 0.59%

#126 of 165 Bottom 24.2% in 500M-750M tier