BlastPoint's Credit Union Scorecard
LOYALTY
Charter #62417 · FL
LOYALTY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.72% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 1.44% above tier (higher cost structure)
- - Member decline: -6.0% YoY
- - Net Charge-Off Rate: Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,143
-6.0% YoY-1.7% QoQ
|
+4.0K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$302.9M
+1.7% YoY+1.5% QoQ
|
+$71.1M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$164.5M
+5.4% YoY-1.1% QoQ
|
+$20.4M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$266.3M
+0.8% YoY+1.8% QoQ
|
+$65.2M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
0.9%
-44.5% YoY-13.0% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
4.4%
-2.8% YoY-3.5% QoQ
|
+0.7% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Top 13.0% in tier |
| Efficiency Ratio |
79.5%
+22.6% YoY+4.2% QoQ
|
+1.4% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
0.5%
-43.7% YoY-37.6% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
61.8%
+4.5% YoY-2.9% QoQ
|
-8.6% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$22,508
+9.0% YoY+2.4% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
16.5%
+20.1% YoY+4.7% QoQ
|
-7.7% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
16.3%
+3.3% YoY+0.0% QoQ
|
+2.5% | 13.8% | 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 (5)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)