BlastPoint's Credit Union Scorecard
PRIORITY
Charter #67319 · FL
2596 CUs in <100M nationally
40 in FL
PRIORITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.08% above tier average
- + Total Loans: Top 7.9% in tier
- + Loan-to-Member Ratio (LMR): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 2.16% below tier average
- - Efficiency ratio 27.50% above tier (higher cost structure)
- - Delinquency rate 1.45% above tier average
- - Member decline: -9.8% YoY
- - Indirect Auto Concentration (%): Bottom 5.8% in tier
- - Member Growth Rate: Bottom 6.0% in tier
- - Net Worth Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,578
-9.8% YoY-0.8% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$56.2M
-4.9% YoY-0.4% QoQ
|
+$26.4M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
81% |
| Loans |
$44.3M
-6.0% YoY+1.0% QoQ
|
+$28.5M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 8.0% in tier |
| Deposits |
$52.3M
-2.7% YoY+0.2% QoQ
|
+$26.8M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
-1.5%
-1977.8% YoY-30.8% QoQ
|
-2.2% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.2% in tier |
| NIM |
5.0%
+12.3% YoY+0.1% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 13.8% in tier |
| Efficiency Ratio |
108.9%
+10.2% YoY-6.1% QoQ
|
+27.5% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Top 6.6% in tier |
| Delinquency Rate |
3.0%
+507.6% YoY+37.3% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Top 12.2% in tier |
| Loan To Share |
84.6%
-3.4% YoY+0.8% QoQ
|
+23.4% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$21,090
+6.2% YoY+1.4% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
15.9%
+40.2% YoY+12.5% QoQ
|
-8.5% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.9%
-19.2% YoY-4.8% QoQ
|
+5.9% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
207
Total Loans
balance_sheet
Value:
$44.25M
Peer Avg: -
#207 of 2596
Top 7.9% in <100M tier
243
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,666
Peer Avg: -
#243 of 2596
Top 9.3% in <100M tier
359
Net Interest Margin (NIM)
profitability
Value:
5.01%
Peer Avg: -
#359 of 2596
Top 13.8% in <100M tier
431
Average Member Relationship (AMR)
engagement
Value:
$21,090
Peer Avg: -
#431 of 2596
Top 16.6% in <100M tier
434
Total Deposits
balance_sheet
Value:
$52.30M
Peer Avg: -
#434 of 2596
Top 16.7% in <100M tier
438
Loan-to-Share Ratio
balance_sheet
Value:
84.62%
Peer Avg: -
#438 of 2596
Top 16.8% in <100M tier
445
Total Members
engagement
Value:
4,578
Peer Avg: -
#445 of 2596
Top 17.1% in <100M tier
494
Total Assets
balance_sheet
Value:
$56.23M
Peer Avg: -
#494 of 2596
Top 19.0% in <100M tier
535
AMR Growth Rate
growth
Value:
6.18%
Peer Avg: -
#535 of 2596
Top 20.6% in <100M tier
646
Fee Income Per Member
profitability
Value:
$118.78
Peer Avg: -
#646 of 2596
Top 24.8% in <100M tier
Top Weaknesses (7 metrics)
2487
Return on Assets (ROA)
profitability
Value:
-1.48%
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2446
Indirect Auto Concentration (%)
balance_sheet
Value:
19.88%
Peer Avg: -
#2446 of 2596
Bottom 5.8% in <100M tier
2440
Member Growth Rate
growth
Value:
-9.85%
Peer Avg: -
#2440 of 2596
Bottom 6.0% in <100M tier
2426
Efficiency Ratio
profitability
Value:
108.90%
Peer Avg: -
#2426 of 2596
Bottom 6.6% in <100M tier
2350
Net Worth Ratio
risk
Value:
8.98%
Peer Avg: -
#2350 of 2596
Bottom 9.5% in <100M tier
2281
Total Delinquency Rate (60+ days)
risk
Value:
2.96%
Peer Avg: -
#2281 of 2596
Bottom 12.2% in <100M tier
2233
Asset Growth Rate
growth
Value:
-4.94%
Peer Avg: -
#2233 of 2596
Bottom 14.0% in <100M tier