BlastPoint's Credit Union Scorecard
PRIORITY
Charter #67319 · FL
PRIORITY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.35% above tier average
- + Total Loans: Top 7.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Efficiency ratio 2.90% above tier (higher cost structure)
- - Delinquency rate 1.62% above tier average
- - Member decline: -4.7% YoY
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
- - Net Worth Ratio: Bottom 7.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +1.6% year over year ($53.1M in shares and deposits).
- Membership: 4,398 members, -4.7% vs a year ago.
- Delinquency rate 3.17%.
- Return on assets 0.23%.
- Efficiency ratio 91.66% vs a 88.77% peer average.
- Loan-to-share ratio 84.10% vs a 58.89% 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 |
4,398
-4.7% YoY-1.3% QoQ
|
+1.8K |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$56.1M
-0.7% YoY-0.2% QoQ
|
+$25.8M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$44.6M
+1.9% YoY-1.6% QoQ
|
+$29.2M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 7.6% in tier |
| Deposits |
$53.1M
+1.6% YoY+1.1% QoQ
|
+$27.3M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
0.2%
-110.6% YoY-14.9% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.1% in tier |
| NIM |
5.3%
+4.9% YoY-0.7% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Top 8.4% in tier |
| Efficiency Ratio |
91.7%
-21.0% YoY-0.4% QoQ
|
+2.9% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
3.2%
+47.2% YoY+19.9% QoQ
|
+1.6 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
84.1%
+0.2% YoY-2.7% QoQ
|
+25.2% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
85% |
| AMR |
$22,208
+6.8% YoY+1.2% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
85% |
| CD Concentration |
15.5%
+9.4% YoY+6.0% QoQ
|
-9.1% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
17.9%
-14.4% YoY-9.4% QoQ
|
+4.3% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)