BlastPoint's Credit Union Scorecard

SPACE COAST

Charter #67297 · FL

Large 7B-10B
33 CUs in 7B-10B nationally 2 in FL
View Large leaderboard →

SPACE COAST has 5 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 60.4% in tier
  • + Net Interest Margin 0.34% above tier average
  • + Total Members: Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 9.1% in tier
  • + Members Per Employee (MPE): Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 40.6% in tier
  • - Indirect Auto Dependency: Bottom 44.1% in tier
  • - Credit Quality Pressure: Bottom 61.1% in tier
  • - Shrinking Wallet Share: Bottom 75.0% in tier
  • - Credit Risk Growth: Bottom 90.0% in tier
  • - ROA 0.14% below tier average
  • - Efficiency ratio 0.39% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 6.1% in tier
  • - Average Member Relationship (AMR): Bottom 6.1% in tier
  • - Fee Income Per Member: Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 699,155
+3.6% YoY+1.0% QoQ
+253.2K 445,922
+0.4% YoY
72,012
+7.1% YoY
33,374
+5.7% YoY
Top 3.0% in tier
Assets $9.1B
+3.5% YoY+2.3% QoQ
+$185.0M $8.9B
+0.9% YoY
$1.1B
+9.4% YoY
$561.6M
+9.7% YoY
48%
Loans $7.5B
+1.6% YoY+2.5% QoQ
+$1.3B $6.3B
+0.8% YoY
$808.5M
+10.5% YoY
$397.0M
+8.8% YoY
82%
Deposits $7.5B
+3.9% YoY+2.5% QoQ
$-17.2M $7.5B
+1.2% YoY
$948.9M
+9.7% YoY
$477.3M
+9.7% YoY
48%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.8%
+48.9% YoY-10.5% QoQ
-0.1% 1.0%
+27.8% YoY
0.6%
+16.0% YoY
0.7%
+15.9% YoY
46%
NIM 3.3%
+14.9% YoY+1.7% QoQ
+0.3% 3.0%
+12.0% YoY
3.6%
+4.0% YoY
3.8%
+5.1% YoY
67%
Efficiency Ratio 65.2%
-1.7% YoY+2.5% QoQ
+0.4% 64.8%
-2.3% YoY
77.7%
-2.7% YoY
79.7%
-3.3% YoY
52%
Delinquency Rate 0.7%
+10.5% YoY+8.8% QoQ
-0.0 0.7%
+5.5% YoY
0.7%
+7.1% YoY
1.3%
-2.1% YoY
42%
Loan To Share 100.3%
-2.2% YoY-0.1% QoQ
+16.9% 83.4%
-0.6% YoY
71.1%
+0.4% YoY
67.4%
-1.7% YoY
Top 12.1% in tier
AMR $21,489
-0.9% YoY+1.5% QoQ
$-13K $34,266
-1.7% YoY
$22,519
+3.6% YoY
$19,687
+2.0% YoY
Bottom 3.0% in tier
CD Concentration 35.2%
+10.7% YoY+5.9% QoQ
+6.1% 29.1% 24.1% 19.8% 73%
Indirect Auto % 40.3%
-13.0% YoY-1.1% QoQ
+23.2% 17.1% 10.8% 7.8% Top 6.0% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#33 of 54 • Top 60.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.63%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.82%
(Tier: 0.90%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 40.27%
(Tier: 17.09%, National: 7.78%)
but worse than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 CUs now) | New qualifier

Concerns (5)

Liquidity Strain

risk
#14 of 33 • Bottom 40.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 100.28%
(Tier: 84.88%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 1.61%
(Tier: 6.96%, National: 111.96%)
worse than tier avg
33 of 68 Large CUs have this signature | 439 nationally
↑ Growing +6 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#16 of 35 • Bottom 44.1% in tier

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

Why This Signature
Asset Growth (YoY): 3.54%
(Tier: 8.38%, National: 3.54%)
worse than tier avg
Indirect Auto %: 40.27%
(Tier: 17.09%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.63%
(Tier: 4.35%, National: 4.32%)
worse than tier avg
35 of 68 Large CUs have this signature | 745 nationally
→ Stable (35→35 CUs) | Rank worsening

Credit Quality Pressure

risk
#23 of 37 • Bottom 61.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
37 of 68 Large CUs have this signature | 969 nationally
→ Stable (41→37 CUs) -4 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#10 of 13 • Bottom 75.0% in tier

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

Why This Signature
AMR Growth (YoY): -0.86%
(Tier: 3.92%, National: 4.00%)
worse than tier avg
13 of 68 Large CUs have this signature | 303 nationally
→ Stable (16→13 CUs) -3 CUs YoY

Credit Risk Growth

risk
#28 of 31 • Bottom 90.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.61%
(Tier: 6.96%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
31 of 68 Large CUs have this signature | 665 nationally
→ No prior data (31 CUs now) | New qualifier

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)

Comparing against 33 peers in tier

Top Strengths (4 metrics)

1
Total Members
engagement
Value: 699,155
Peer Median: -
#1 of 33 Top 0.0% in 7B-10B tier
4
Loan-to-Share Ratio
balance_sheet
Value: 100.28%
Peer Median: -
#4 of 33 Top 9.1% in 7B-10B tier
4
Members Per Employee (MPE)
engagement
Value: 553.567
Peer Median: -
#4 of 33 Top 9.1% in 7B-10B tier
6
Total Loans
balance_sheet
Value: $7.52B
Peer Median: -
#6 of 33 Top 15.2% in 7B-10B tier

Top Weaknesses (6 metrics)

32
Indirect Auto Concentration (%)
balance_sheet
Value: 40.27%
Peer Median: -
#32 of 33 Bottom 6.1% in 7B-10B tier
32
Average Member Relationship (AMR)
engagement
Value: $21,489
Peer Median: -
#32 of 33 Bottom 6.1% in 7B-10B tier
31
Fee Income Per Member
profitability
Value: $136.58
Peer Median: -
#31 of 33 Bottom 9.1% in 7B-10B tier
28
Loan-to-Member Ratio (LMR)
engagement
Value: $10,760
Peer Median: -
#28 of 33 Bottom 18.2% in 7B-10B tier
27
Share Certificate Concentration (%)
balance_sheet
Value: 35.20%
Peer Median: -
#27 of 33 Bottom 21.2% in 7B-10B tier
26
AMR Growth Rate
growth
Value: -0.86%
Peer Median: -
#26 of 33 Bottom 24.2% in 7B-10B tier
Link copied to clipboard!