BlastPoint's Credit Union Scorecard
COMMUNITY FIRST CREDIT UNION OF FLO
Charter #67290 · FL
COMMUNITY FIRST CREDIT UNION OF FLO has 8 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 8.3% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.32% above tier average
- + Strong member growth: 5.4% YoY
- + Total Deposits: Top 2.0% in tier
- + Total Assets: Top 2.3% in tier
- + Total Members: Top 3.0% in tier
- + Total Loans: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.4% in tier
- - Credit Quality Pressure: Bottom 17.9% in tier
- - Indirect Auto Dependency: Bottom 26.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
186,039
+5.4% YoY+1.5% QoQ
|
+87.4K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Top 3.3% in tier |
| Assets |
$2.9B
+3.3% YoY+2.7% QoQ
|
+$1.2B |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 2.6% in tier |
| Loans |
$2.2B
+9.0% YoY+2.2% QoQ
|
+$955.3M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 3.9% in tier |
| Deposits |
$2.5B
+5.2% YoY+2.6% QoQ
|
+$1.0B |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.3% in tier |
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| ROA |
1.0%
+71.1% YoY+1.3% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.6%
+14.3% YoY+1.0% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
62.3%
-4.0% YoY+1.4% QoQ
|
-11.7% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate |
0.7%
+14.2% YoY-5.1% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
87.9%
+3.7% YoY-0.4% QoQ
|
+2.7% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$25,145
+1.5% YoY+0.8% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
31.2%
+4.1% YoY+11.3% QoQ
|
+2.2% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
63% |
| Indirect Auto % |
26.8%
+2.3% YoY+0.4% QoQ
|
+8.0% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
70% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)