BlastPoint's Credit Union Scorecard

SPACE COAST

Charter #67297 · FL

Large 7B-10B

29 CUs in 7B-10B nationally 2 in FL

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SPACE COAST has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.19% above tier average
+ Total Members: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 18.2% in tier
- Credit Quality Pressure: Bottom 26.6% in tier
- Indirect Auto Dependency: Bottom 75.0% in tier
- Shrinking Wallet Share: Bottom 93.8% in tier
- ROA 0.33% below tier average
- Efficiency ratio 2.63% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	707,051 +3.5% YoY+1.1% QoQ	+270.2K	436,889 -2.3% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Top 3.4% in tier
Assets	$9.3B +3.1% YoY+1.9% QoQ	+$379.4M	$8.9B -0.1% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	55%
Loans	$7.3B -4.3% YoY-2.9% QoQ	+$1.2B	$6.1B -1.1% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	83%
Deposits	$7.7B +6.4% YoY+3.0% QoQ	+$75.3M	$7.7B +1.8% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	48%

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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	0.6% +2.7% YoY-25.2% QoQ	-0.3%	0.9% +16.3% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	24%
NIM	3.2% +7.1% YoY-1.9% QoQ	+0.2%	3.1% +6.3% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	68.7% +2.1% YoY+5.4% QoQ	+2.6%	66.1% -2.8% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	0.6% +19.8% YoY-10.2% QoQ	+0.0	0.6% +12.0% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	52%
Loan To Share	94.5% -10.1% YoY-5.8% QoQ	+14.1%	80.4% -3.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	79%
AMR	$21,260 -2.5% YoY-1.1% QoQ	$-16K	$37,056 +6.8% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Bottom 3.4% in tier
CD Concentration	35.2% +16.0% YoY-0.0% QoQ	+6.6%	28.6%	24.4%	19.8%	74%
Indirect Auto %	36.8% -21.1% YoY-8.6% QoQ	+20.4%	16.4%	10.8%	7.7%	Bottom 9.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Shrinking Wallet Share

decline

#5 of 13 • Bottom 93.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.48%

(Tier: 4.10%, National: 6.36%)

worse than tier avg

13 of 66 Large CUs have this signature | 335 nationally

→ Stable (14→13 CUs) -1 CUs YoY

Credit Quality Pressure

risk

#17 of 42 • Bottom 26.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

42 of 66 Large CUs have this signature | 1013 nationally

→ Stable (39→42 CUs) +3 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#14 of 34 • Bottom 75.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.07%

(Tier: 8.53%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 36.81%

(Tier: 16.37%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.49%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

34 of 66 Large CUs have this signature | 745 nationally

→ Stable (34→34 CUs) | Rank worsening

Liquidity Strain

risk

#20 of 26 • Bottom 18.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.46%

(Tier: 82.82%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -4.31%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

26 of 66 Large CUs have this signature | 367 nationally

→ Stable (27→26 CUs) -1 CUs YoY | Rank worsening

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 29 peers in tier

Top Strengths (5 metrics)

Total Members

engagement

Value: 707,051

Peer Median: 421,142

#1 of 29 Top 0.1% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 553.681

Peer Median: 401.853

#4 of 29 Top 10.3% in 7B-10B tier

Total Loans

balance_sheet

Value: $7.30B

Peer Median: $6.40B

#5 of 29 Top 13.8% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.46%

Peer Median: 82.39%

#6 of 29 Top 17.2% in 7B-10B tier

Deposit Growth Rate

growth

Value: 6.43%

Peer Median: 4.66%

#8 of 29 Top 24.1% in 7B-10B tier

Top Weaknesses (7 metrics)

Average Member Relationship (AMR)

engagement

Value: $21,260

Peer Median: $30,591

#28 of 29 Bottom 6.9% in 7B-10B tier

Fee Income Per Member

profitability

Value: $124.47

Peer Median: $199.06

#27 of 29 Bottom 10.3% in 7B-10B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 36.81%

Peer Median: 17.02%

#27 of 29 Bottom 10.3% in 7B-10B tier

Loan Growth Rate

growth

Value: -4.31%

Peer Median: 4.07%

#26 of 29 Bottom 13.8% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,327

Peer Median: $13,058

#26 of 29 Bottom 13.8% in 7B-10B tier

AMR Growth Rate

growth

Value: -2.48%

Peer Median: 2.29%

#25 of 29 Bottom 17.2% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 35.20%

Peer Median: 25.99%

#24 of 29 Bottom 20.7% in 7B-10B tier