BlastPoint's Credit Union Scorecard
PRIORITY
Charter #67319 · FL
2556 CUs in <100M nationally
38 in FL
PRIORITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.10% above tier average
- + Total Loans: Top 7.4% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 2.23% below tier average
- - Efficiency ratio 23.82% above tier (higher cost structure)
- - Delinquency rate 2.11% above tier average
- - Member decline: -7.8% YoY
- - Indirect Auto Concentration (%): Bottom 5.2% in tier
- - Net Worth Ratio: Bottom 6.9% in tier
- - Member Growth Rate: Bottom 8.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,504
-7.8% YoY-1.6% QoQ
|
+1.9K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$56.1M
-2.3% YoY-0.2% QoQ
|
+$26.0M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$45.5M
-0.2% YoY+2.9% QoQ
|
+$29.8M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 7.4% in tier |
| Deposits |
$51.7M
+1.4% YoY-1.2% QoQ
|
+$26.0M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
-1.6%
+241.8% YoY+9.3% QoQ
|
-2.2% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.9% in tier |
| NIM |
5.1%
+11.5% YoY+0.8% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
106.4%
+4.7% YoY-2.3% QoQ
|
+23.8% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
3.7%
+433.5% YoY+23.8% QoQ
|
+2.1 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Top 9.8% in tier |
| Loan To Share |
88.1%
-1.6% YoY+4.1% QoQ
|
+27.5% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Top 12.2% in tier |
| AMR |
$21,590
+9.2% YoY+2.4% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
16.2%
+40.0% YoY+1.9% QoQ
|
-8.2% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
22.0%
-10.0% YoY+10.5% QoQ
|
+8.2% | 13.8% | 10.8% | 7.8% | 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)
189
Total Loans
balance_sheet
Value:
$45.55M
Peer Median: -
#189 of 2556
Top 7.4% in <100M tier
198
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,113
Peer Median: -
#198 of 2556
Top 7.7% in <100M tier
293
AMR Growth Rate
growth
Value:
9.15%
Peer Median: -
#293 of 2556
Top 11.4% in <100M tier
309
Loan-to-Share Ratio
balance_sheet
Value:
88.12%
Peer Median: -
#309 of 2556
Top 12.1% in <100M tier
340
Net Interest Margin (NIM)
profitability
Value:
5.05%
Peer Median: -
#340 of 2556
Top 13.3% in <100M tier
411
Average Member Relationship (AMR)
engagement
Value:
$21,590
Peer Median: -
#411 of 2556
Top 16.0% in <100M tier
439
Total Deposits
balance_sheet
Value:
$51.69M
Peer Median: -
#439 of 2556
Top 17.1% in <100M tier
445
Total Members
engagement
Value:
4,504
Peer Median: -
#445 of 2556
Top 17.4% in <100M tier
497
Total Assets
balance_sheet
Value:
$56.13M
Peer Median: -
#497 of 2556
Top 19.4% in <100M tier
616
Fee Income Per Member
profitability
Value:
$121.95
Peer Median: -
#616 of 2556
Top 24.1% in <100M tier
Top Weaknesses (6 metrics)
2457
Return on Assets (ROA)
profitability
Value:
-1.61%
Peer Median: -
#2457 of 2556
Bottom 3.9% in <100M tier
2425
Indirect Auto Concentration (%)
balance_sheet
Value:
21.97%
Peer Median: -
#2425 of 2556
Bottom 5.2% in <100M tier
2380
Net Worth Ratio
risk
Value:
8.50%
Peer Median: -
#2380 of 2556
Bottom 6.9% in <100M tier
2364
Efficiency Ratio
profitability
Value:
106.38%
Peer Median: -
#2364 of 2556
Bottom 7.6% in <100M tier
2342
Member Growth Rate
growth
Value:
-7.82%
Peer Median: -
#2342 of 2556
Bottom 8.4% in <100M tier
2307
Total Delinquency Rate (60+ days)
risk
Value:
3.66%
Peer Median: -
#2307 of 2556
Bottom 9.8% in <100M tier