BlastPoint's Credit Union Scorecard

LOYALTY

Charter #62417 · FL

100M-500M

1069 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 50.0% in tier
+ ROA 0.26% above tier average
+ Net Interest Margin 0.90% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Member decline: -5.4% YoY
- Member Growth Rate: Bottom 9.4% in tier
- Net Charge-Off Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	19,476 -5.4% YoY-1.8% QoQ	+4.0K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	75%
Assets	$298.5M +3.3% YoY+1.1% QoQ	+$66.7M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	73%
Loans	$166.4M +5.8% YoY+2.7% QoQ	+$19.0M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	66%
Deposits	$261.5M +1.7% YoY+0.8% QoQ	+$60.7M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% 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	1.0% +319.6% YoY-3.7% QoQ	+0.3%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	70%
NIM	4.5% -3.3% YoY-0.2% QoQ	+0.9%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	Top 9.2% in tier
Efficiency Ratio	76.3% +0.6% YoY+3.8% QoQ	-0.8%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	0.8% -11.7% YoY+10.2% QoQ	-0.1	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	56%
Loan To Share	63.6% +4.1% YoY+1.9% QoQ	-8.6%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	30%
AMR	$21,970 +9.1% YoY+3.5% QoQ	$-3K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	46%
CD Concentration	15.8% +12.6% YoY+3.0% QoQ	-8.6%	24.4%	24.1%	19.8%	50%
Indirect Auto %	16.3% +1.4% YoY-3.2% QoQ	+2.5%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#177 of 513 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 9.14%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (3)

Membership Headwinds

decline

#121 of 554 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#261 of 554 • Bottom 50.0% 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): -5.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 5.80%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.80%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#419 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.34%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 16.28%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -5.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.51%

Peer Median: -

#98 of 1069 Top 9.1% in 100M-500M tier

127

Fee Income Per Member

profitability

Value: $258.05

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

142

AMR Growth Rate

growth

Value: 9.14%

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

264

Share Certificate Concentration (%)

balance_sheet

Value: 15.79%

Peer Median: -

#264 of 1069 Top 24.6% in 100M-500M tier

Top Weaknesses (3 metrics)

970

Member Growth Rate

growth

Value: -5.42%

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

964

Net Charge-Off Rate

risk

Value: 1.05%

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

918

Members Per Employee (MPE)

engagement

Value: 237.512

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier