BlastPoint's Credit Union Scorecard
SPACE COAST
Charter #67297 · FL
SPACE COAST has 5 strengths but faces 10 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 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% |
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| 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
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)