BlastPoint's Credit Union Scorecard

CITY-COUNTY EMPLOYEES

Charter #67323 · FL

<100M

2508 CUs in <100M nationally 35 in FL

CITY-COUNTY EMPLOYEES has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.66% above tier average
+ Net Interest Margin 0.49% above tier average

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 5.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	3,958 +0.8% YoY+0.7% QoQ	+1.3K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	79%
Assets	$42.2M +2.0% YoY+1.9% QoQ	+$12.0M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	71%
Loans	$25.7M +4.2% YoY+1.1% QoQ	+$10.4M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	78%
Deposits	$38.7M +2.1% YoY-0.9% QoQ	+$12.9M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +130.3% YoY+45.7% QoQ	+0.7%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	60%
NIM	4.5% +5.6% YoY-0.2% QoQ	+0.5%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	71.8% -6.9% YoY+0.1% QoQ	-18.8%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.3% -33.1% YoY-50.3% QoQ	-1.2	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	35%
Loan To Share	66.4% +2.1% YoY+2.1% QoQ	+7.9%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	62%
AMR	$16,253 +2.1% YoY-0.8% QoQ	+$1K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	62%
CD Concentration	26.3% +25.7% YoY-0.7% QoQ	+2.0%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.2% -62.0% YoY-7.5% QoQ	-13.6%	13.8%	10.8%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

532

Total Members

engagement

Value: 3,958

Peer Median: 1,918

#532 of 2508 Top 21.2% in <100M tier

541

Total Loans

balance_sheet

Value: $25.67M

Peer Median: $9.48M

#541 of 2508 Top 21.5% in <100M tier

557

Members Per Employee (MPE)

engagement

Value: 439.778

Peer Median: 333.750

#557 of 2508 Top 22.2% in <100M tier

578

Loan Growth Rate

growth

Value: 4.21%

Peer Median: -2.36%

#578 of 2508 Top 23.0% in <100M tier

591

Net Interest Margin (NIM)

profitability

Value: 4.49%

Peer Median: 3.83%

#591 of 2508 Top 23.5% in <100M tier

Top Weaknesses (4 metrics)

2364

Net Worth Ratio

risk

Value: 8.24%

Peer Median: 14.28%

#2364 of 2508 Bottom 5.8% in <100M tier

2166

Net Charge-Off Rate

risk

Value: 1.02%

Peer Median: 0.07%

#2166 of 2508 Bottom 13.7% in <100M tier

2140

Indirect Auto Concentration (%)

balance_sheet

Value: 0.22%

Peer Median: 0.00%

#2140 of 2508 Bottom 14.7% in <100M tier

1930

Share Certificate Concentration (%)

balance_sheet

Value: 26.25%

Peer Median: 12.45%

#1930 of 2508 Bottom 23.1% in <100M tier