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 4 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
- + Organic Growth Engine: Top 24.4% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.34% above tier average
- + Strong member growth: 5.8% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 40.0% in tier
- - Credit Risk Growth: Bottom 70.5% in tier
- - Credit Quality Pressure: Bottom 91.4% in tier
- - Total Assets: Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
188,741
+5.8% YoY+1.5% QoQ
|
-41.6K |
230,353
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$3.0B
+10.5% YoY+5.4% QoQ
|
$-899.5M |
$3.9B
+0.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.0% in tier |
| Loans |
$2.2B
+9.8% YoY+1.9% QoQ
|
$-704.4M |
$2.9B
-0.2% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.5% in tier |
| Deposits |
$2.6B
+10.3% YoY+6.2% QoQ
|
$-666.3M |
$3.3B
-0.3% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+280.1% YoY-5.9% QoQ
|
+0.2% |
0.7%
+16.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.5%
+9.7% YoY-2.8% QoQ
|
+0.3% |
3.1%
+9.8% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
63.1%
-2.6% YoY+1.3% QoQ
|
-8.3% |
71.4%
-1.4% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.8%
+3.8% YoY+14.6% QoQ
|
-0.1 |
0.9%
+5.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
84.4%
-0.4% YoY-4.0% QoQ
|
-4.6% |
88.9%
-0.2% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$25,830
+4.0% YoY+2.7% QoQ
|
$-4K |
$29,682
+1.5% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
33.9%
+15.0% YoY+8.7% QoQ
|
+4.8% | 29.0% | 24.1% | 19.8% | 72% |
| Indirect Auto % |
27.1%
+6.3% YoY+1.3% QoQ
|
+8.8% | 18.3% | 10.8% | 7.8% | 71% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)