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 1 concern
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 29.2% in tier
- + Net Interest Margin 0.12% above tier average
- + Strong member growth: 5.7% YoY
- + Deposit Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
191,902
+5.7% YoY+1.7% QoQ
|
-28.5K |
220,435
-7.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$3.2B
+12.4% YoY+4.4% QoQ
|
$-741.5M |
$3.9B
-1.5% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.1% in tier |
| Loans |
$2.3B
+9.8% YoY+2.0% QoQ
|
$-618.2M |
$2.9B
-1.1% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.5% in tier |
| Deposits |
$2.8B
+12.8% YoY+4.8% QoQ
|
$-527.7M |
$3.3B
-2.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.7%
-6.4% YoY-27.5% QoQ
|
+0.0% |
0.7%
+10.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
3.3%
-3.7% YoY-4.5% QoQ
|
+0.1% |
3.2%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
66.8%
+1.8% YoY+5.8% QoQ
|
-4.5% |
71.3%
-2.6% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
0.6%
-7.8% YoY-25.5% QoQ
|
-0.1 |
0.7%
+9.2% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
82.1%
-2.7% YoY-2.7% QoQ
|
-5.9% |
88.0%
+0.9% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$26,290
+5.4% YoY+1.8% QoQ
|
$-4K |
$30,672
+5.5% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
34.7%
+25.4% YoY+2.4% QoQ
|
+5.8% | 28.8% | 24.4% | 19.8% | 75% |
| Indirect Auto % |
28.2%
+6.4% YoY+3.7% QoQ
|
+10.1% | 18.1% | 10.8% | 7.7% | 74% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
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)