BlastPoint's Credit Union Scorecard
LOYALTY
Charter #62417 · FL
LOYALTY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.12% above tier average
- + Net Interest Margin 0.73% above tier average
- + AMR Growth Rate: Top 9.2% in tier
- + Fee Income Per Member: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 4.35% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +1.2% year over year ($264M in shares and deposits).
- Membership: 18,797 members, -6.2% vs a year ago.
- Delinquency rate 0.66%.
- Return on assets 0.98%.
- Efficiency ratio 81.08% vs a 76.73% peer average.
- Loan-to-share ratio 63.38% vs a 71.54% 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 |
18,797
-6.2% YoY-1.8% QoQ
|
+3.6K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$300.3M
+1.6% YoY-0.8% QoQ
|
+$68.3M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$167.2M
+7.2% YoY+1.6% QoQ
|
+$20.9M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$263.8M
+1.2% YoY-1.0% QoQ
|
+$63.0M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
1.0%
-20.4% YoY+9.9% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
4.4%
-1.4% YoY+1.5% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Top 12.5% in tier |
| Efficiency Ratio |
81.1%
+14.3% YoY+2.0% QoQ
|
+4.3% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.7%
-18.3% YoY+32.6% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
63.4%
+6.0% YoY+2.6% QoQ
|
-8.2% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$22,925
+10.3% YoY+1.8% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
17.3%
+18.4% YoY+4.7% QoQ
|
-7.2% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
15.3%
-4.7% YoY-6.1% QoQ
|
+1.7% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)