BlastPoint's Credit Union Scorecard
COMMUNITY FIRST CREDIT UNION OF FLO
Charter #67290 · FL
COMMUNITY FIRST CREDIT UNION OF FLO has 4 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 21.2% in tier
- + Net Interest Margin 0.12% above tier average
- + Strong member growth: 6.0% YoY
- + Deposit Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.1% in tier
- - Margin Compression: Bottom 40.8% in tier
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 7 that size in Florida.
- Shares and deposits +15.2% year over year ($2.80B in shares and deposits).
- Membership: 194,282 members, +6.0% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 0.89%.
- Efficiency ratio 64.81% vs a 69.45% peer average.
- Loan-to-share ratio 85.18% vs a 90.24% 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 |
194,282
+6.0% YoY+1.2% QoQ
|
-22.3K |
216,545
-9.5% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$3.2B
+14.4% YoY+1.2% QoQ
|
$-689.3M |
$3.9B
-1.6% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.3% in tier |
| Loans |
$2.4B
+11.2% YoY+4.7% QoQ
|
$-549.7M |
$2.9B
-1.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.7% in tier |
| Deposits |
$2.8B
+15.2% YoY+0.9% QoQ
|
$-461.6M |
$3.3B
-2.6% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.9%
-10.5% YoY+29.4% QoQ
|
+0.0% |
0.9%
+25.3% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.4%
-5.3% YoY+0.9% QoQ
|
+0.1% |
3.2%
+3.8% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
64.8%
+5.5% YoY-2.9% QoQ
|
-4.6% |
69.5%
-2.3% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.6%
-14.8% YoY+5.3% QoQ
|
-0.2 |
0.8%
+5.5% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
85.2%
-3.5% YoY+3.7% QoQ
|
-5.1% |
90.2%
+0.9% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$26,647
+6.8% YoY+1.4% QoQ
|
$-4K |
$31,018
+6.9% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
33.8%
+20.8% YoY-2.5% QoQ
|
+4.7% | 29.1% | 24.7% | 20.0% | 70% |
| Indirect Auto % |
29.9%
+12.0% YoY+6.2% QoQ
|
+11.8% | 18.1% | 10.8% | 7.7% | 78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)