BlastPoint's Credit Union Scorecard

LOYALTY

Charter #62417 · FL

1077 CUs in 100M-500M nationally 35 in FL

LOYALTY has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 72.1% in tier
+ ROA 0.28% above tier average
+ Net Interest Margin 0.94% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 3.0% in tier
- Membership Headwinds: Bottom 7.4% in tier
- Flatlined Growth: Bottom 13.6% in tier
- Indirect Auto Dependency: Bottom 30.1% in tier
- Member decline: -4.8% YoY
- Net Charge-Off Rate: Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	19,842 -4.8% YoY-1.0% QoQ	+4.2K	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	75%
Assets	$295.2M +0.5% YoY-0.1% QoQ	+$63.9M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	72%
Loans	$161.9M +4.1% YoY+3.9% QoQ	+$14.1M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	65%
Deposits	$259.4M -0.7% YoY-0.5% QoQ	+$59.2M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	73%

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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	1.1% +971.6% YoY-13.5% QoQ	+0.3%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	70%
NIM	4.5% -1.9% YoY+0.8% QoQ	+0.9%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	Top 8.6% in tier
Efficiency Ratio	73.4% -2.5% YoY+3.5% QoQ	-3.8%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	36%
Delinquency Rate	0.7% -36.1% YoY-10.5% QoQ	-0.1	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	54%
Loan To Share	62.4% +4.9% YoY+4.4% QoQ	-10.3%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	26%
AMR	$21,236 +6.2% YoY+2.2% QoQ	$-3K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	43%
CD Concentration	15.3% +9.5% YoY+4.8% QoQ	-9.1%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.8% +2.7% YoY+4.8% QoQ	+2.8%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#347 of 481 • Top 72.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.23%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#51 of 550 • Bottom 3.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 4.14%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.73%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#123 of 550 • Bottom 7.4% in tier

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

Why This Signature

Member Growth (YoY): -4.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Flatlined Growth

risk

#15 of 58 • Bottom 13.6% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.46%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 1.07%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#485 of 525 • Bottom 30.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.46%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 16.82%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -4.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.52%

Peer Avg: -

#93 of 1077 Top 8.5% in 100M-500M tier

119

Fee Income Per Member

profitability

Value: $259.27

Peer Avg: -

#119 of 1077 Top 11.0% in 100M-500M tier

250

Share Certificate Concentration (%)

balance_sheet

Value: 15.32%

Peer Avg: -

#250 of 1077 Top 23.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1004

Net Charge-Off Rate

risk

Value: 1.16%

Peer Avg: -

#1004 of 1077 Bottom 6.9% in 100M-500M tier

969

Member Growth Rate

growth

Value: -4.83%

Peer Avg: -

#969 of 1077 Bottom 10.1% in 100M-500M tier

960

Members Per Employee (MPE)

engagement

Value: 230.721

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier

925

Deposit Growth Rate

growth

Value: -0.72%

Peer Avg: -

#925 of 1077 Bottom 14.2% in 100M-500M tier

848

Asset Growth Rate

growth

Value: 0.46%

Peer Avg: -

#848 of 1077 Bottom 21.4% in 100M-500M tier