BlastPoint's Credit Union Scorecard

ENVISION

Charter #67329 · FL

Community 750M-1B

112 CUs in 750M-1B nationally 5 in FL

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ENVISION has 3 strengths but faces 15 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.48% above tier average
+ Fee Income Per Member: Top 0.9% in tier
+ Share Certificate Concentration (%): Top 7.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.8% in tier
- Shrinking Wallet Share: Bottom 10.7% in tier
- Accelerating Exit Risk: Bottom 15.7% in tier
- Deposit Outflow: Bottom 16.2% in tier
- Institutional Decline: Bottom 18.5% in tier
- Membership Headwinds: Bottom 32.3% in tier
- Stagnation Risk: Bottom 33.2% in tier
- ROA 2.42% below tier average
- Efficiency ratio 32.54% above tier (higher cost structure)
- Delinquency rate 0.64% above tier average
- Deposit Growth Rate: Bottom 4.5% in tier
- Members Per Employee (MPE): Bottom 4.5% in tier
- Asset Growth Rate: Bottom 6.2% in tier
- Loan Growth Rate: Bottom 8.0% in tier
- AMR Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	63,238 -0.6% YoY-0.3% QoQ	+11.1K	52,114 -2.1% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	78%
Assets	$829.4M -4.8% YoY-2.0% QoQ	$-29.7M	$859.0M +0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	40%
Loans	$579.2M -5.0% YoY-2.3% QoQ	$-24.2M	$603.4M +1.0% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	37%
Deposits	$728.7M -2.9% YoY-2.1% QoQ	$-5.4M	$734.2M +0.9% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	52%

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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	-1.7% -474.5% YoY-759.1% QoQ	-2.4%	0.7% +27.6% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	Bottom 0.0% in tier
NIM	3.9% +9.1% YoY+1.7% QoQ	+0.5%	3.4% +9.6% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	80%
Efficiency Ratio	107.1% +26.6% YoY+25.4% QoQ	+32.5%	74.5% -3.2% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	Top 1.8% in tier
Delinquency Rate	1.5% -13.9% YoY+2.3% QoQ	+0.6	0.8% +5.0% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	Top 13.4% in tier
Loan To Share	79.5% -2.2% YoY-0.3% QoQ	-3.2%	82.7% +0.1% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	30%
AMR	$20,683 -3.3% YoY-1.8% QoQ	$-8K	$28,651 +2.5% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	20%
CD Concentration	14.7% -5.3% YoY-8.5% QoQ	-9.7%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	18%
Indirect Auto %	2.8% -18.9% YoY-6.3% QoQ	-11.2%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	41%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#104 of 521 • Bottom 5.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 107.06%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -2.16% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -0.62%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#108 of 244 • Bottom 10.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.28%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#42 of 58 • Bottom 15.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.62%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -3.28%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 281 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Deposit Outflow

decline

#14 of 81 • Bottom 16.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.93%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.62%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 281 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

Institutional Decline

decline

#147 of 256 • Bottom 18.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $829.35M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -0.62%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#532 of 550 • Bottom 32.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.62%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#548 of 550 • Bottom 33.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.62%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.46%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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 112 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $506.93

Peer Avg: -

#2 of 112 Top 0.9% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.68%

Peer Avg: -

#9 of 112 Top 7.1% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.84%

Peer Avg: -

#17 of 112 Top 14.3% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 3.85%

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Total Members

engagement

Value: 63,238

Peer Avg: -

#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (11 metrics)

112

Return on Assets (ROA)

profitability

Value: -1.71%

Peer Avg: -

#112 of 112 Bottom 0.9% in 750M-1B tier

111

Efficiency Ratio

profitability

Value: 107.06%

Peer Avg: -

#111 of 112 Bottom 1.8% in 750M-1B tier

108

Deposit Growth Rate

growth

Value: -2.93%

Peer Avg: -

#108 of 112 Bottom 4.5% in 750M-1B tier

108

Members Per Employee (MPE)

engagement

Value: 207.338

Peer Avg: -

#108 of 112 Bottom 4.5% in 750M-1B tier

106

Asset Growth Rate

growth

Value: -4.84%

Peer Avg: -

#106 of 112 Bottom 6.2% in 750M-1B tier

104

Loan Growth Rate

growth

Value: -5.05%

Peer Avg: -

#104 of 112 Bottom 8.0% in 750M-1B tier

103

AMR Growth Rate

growth

Value: -3.28%

Peer Avg: -

#103 of 112 Bottom 8.9% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.46%

Peer Avg: -

#98 of 112 Bottom 13.4% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.91%

Peer Avg: -

#92 of 112 Bottom 18.8% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $20,683

Peer Avg: -

#90 of 112 Bottom 20.5% in 750M-1B tier