BlastPoint's Credit Union Scorecard
SPACE COAST
Charter #67297 · FL
SPACE COAST has 2 strengths but faces 6 concerns
How does the industry compare?
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How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Total Members: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.7% in tier
- - Credit Quality Pressure: Bottom 20.3% in tier
- - Shrinking Wallet Share: Bottom 92.2% in tier
- - Indirect Auto Dependency: Bottom 95.3% in tier
- - ROA 0.25% below tier average
- - Loan Growth Rate: Bottom 7.1% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 2 that size in Florida.
- Shares and deposits +6.5% year over year ($7.76B in shares and deposits).
- Membership: 705,088 members, +3.0% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 0.78%.
- Efficiency ratio 64.99% vs a 66.07% peer average.
- Loan-to-share ratio 97.10% vs a 81.29% 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 |
705,088
+3.0% YoY-0.3% QoQ
|
+266.2K |
438,885
-1.1% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Top 3.6% in tier |
| Assets |
$9.2B
-0.1% YoY-1.5% QoQ
|
+$231.7M |
$8.9B
+0.0% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$7.5B
-4.2% YoY+3.1% QoQ
|
+$1.3B |
$6.2B
-0.6% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 14.3% in tier |
| Deposits |
$7.8B
+6.5% YoY+0.3% QoQ
|
+$99.2M |
$7.7B
+2.7% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.8%
+4.9% YoY+26.6% QoQ
|
-0.2% |
1.0%
+4.7% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
3.3%
+6.0% YoY+2.6% QoQ
|
+0.3% |
3.1%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
65.0%
-1.8% YoY-5.4% QoQ
|
-1.1% |
66.1%
+1.6% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.8%
+31.4% YoY+28.0% QoQ
|
+0.0 |
0.8%
+23.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
97.1%
-10.0% YoY+2.8% QoQ
|
+15.8% |
81.3%
-3.8% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$21,680
-2.1% YoY+2.0% QoQ
|
$-16K |
$37,279
+8.1% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.1% in tier |
| CD Concentration |
35.4%
+11.5% YoY+0.6% QoQ
|
+7.1% | 28.3% | 24.7% | 20.0% | 82% |
| Indirect Auto % |
37.1%
-20.1% YoY+0.8% QoQ
|
+20.3% | 16.8% | 10.8% | 7.7% | Bottom 10.6% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)