BlastPoint's Credit Union Scorecard

CITY-COUNTY EMPLOYEES

Charter #67323 ยท FL

2596 CUs in <100M nationally 40 in FL

CITY-COUNTY EMPLOYEES has 4 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.56% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 7.1% in tier
  • + Asset Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.15% below tier average
  • - Net Worth Ratio: Bottom 5.2% in tier
  • - Net Charge-Off Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 3,898
-1.8% YoY-1.4% QoQ
+1.3K 2,625
-2.2% YoY
69,671
+4.3% YoY
33,089
+6.1% YoY
78%
Assets $40.9M
+10.1% YoY+1.2% QoQ
+$11.1M $29.9M
+1.1% YoY
$1.1B
+3.8% YoY
$547.7M
+7.8% YoY
71%
Loans $25.3M
-2.3% YoY+1.0% QoQ
+$9.5M $15.8M
-2.4% YoY
$773.4M
+7.4% YoY
$388.7M
+8.6% YoY
77%
Deposits $37.3M
+11.2% YoY+0.4% QoQ
+$11.8M $25.5M
+0.4% YoY
$908.2M
+6.5% YoY
$464.6M
+9.3% YoY
73%

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Tier 1
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ROA 0.5%
+324.5% YoY-9.5% QoQ
-0.2% 0.7%
-731.4% YoY
0.6%
+15.9% YoY
0.7%
+273.4% YoY
38%
NIM 4.5%
-2.4% YoY+2.3% QoQ
+0.6% 3.9%
+3.8% YoY
3.6%
+6.7% YoY
3.7%
+5.0% YoY
73%
Efficiency Ratio 73.1%
-2.0% YoY+1.0% QoQ
-8.3% 81.4%
-2.4% YoY
79.0%
+0.0% YoY
79.1%
-3.3% YoY
38%
Delinquency Rate 0.8%
-15.3% YoY-19.8% QoQ
-0.7 1.5%
-2.0% YoY
0.7%
+3.1% YoY
1.2%
-0.9% YoY
55%
Loan To Share 67.9%
-12.1% YoY+0.6% QoQ
+6.7% 61.2%
-3.0% YoY
71.2%
+0.4% YoY
68.0%
-1.7% YoY
59%
AMR $16,058
+7.3% YoY+2.1% QoQ
+$1K $14,627
-2.7% YoY
$22,283
+3.7% YoY
$19,418
+1.3% YoY
63%
CD Concentration 24.7%
+22.4% YoY+6.3% QoQ
+0.3% 24.4%
+4.2% YoY
23.4%
+4.5% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.3%
-53.6% YoY-15.5% QoQ
-13.6% 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)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
185
Deposit Growth Rate
growth
Value: 11.16%
Peer Avg: -
#185 of 2596 Top 7.1% in <100M tier
218
Asset Growth Rate
growth
Value: 10.09%
Peer Avg: -
#218 of 2596 Top 8.4% in <100M tier
425
AMR Growth Rate
growth
Value: 7.28%
Peer Avg: -
#425 of 2596 Top 16.3% in <100M tier
580
Total Members
engagement
Value: 3,898
Peer Avg: -
#580 of 2596 Top 22.3% in <100M tier
591
Total Loans
balance_sheet
Value: $25.31M
Peer Avg: -
#591 of 2596 Top 22.7% in <100M tier
596
Members Per Employee (MPE)
engagement
Value: 433.111
Peer Avg: -
#596 of 2596 Top 22.9% in <100M tier

Top Weaknesses (4 metrics)

2462
Net Worth Ratio
risk
Value: 8.17%
Peer Avg: -
#2462 of 2596 Bottom 5.2% in <100M tier
2381
Net Charge-Off Rate
risk
Value: 1.53%
Peer Avg: -
#2381 of 2596 Bottom 8.3% in <100M tier
2211
Indirect Auto Concentration (%)
balance_sheet
Value: 0.33%
Peer Avg: -
#2211 of 2596 Bottom 14.9% in <100M tier
1958
Share Certificate Concentration (%)
balance_sheet
Value: 24.71%
Peer Avg: -
#1958 of 2596 Bottom 24.6% in <100M tier
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