BlastPoint's Credit Union Scorecard
ECU
Charter #67336 · FL
ECU has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 6.29% above tier (higher cost structure)
- - Member decline: -6.8% YoY
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 -7.0% year over year ($27.8M in shares and deposits).
- Membership: 2,284 members, -6.8% vs a year ago.
- Delinquency rate 0.56%.
- Return on assets 0.03%.
- Efficiency ratio 95.05% vs a 88.77% peer average.
- Loan-to-share ratio 53.24% 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 |
2,284
-6.8% YoY-2.2% QoQ
|
-301 |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$34.1M
-5.3% YoY-5.1% QoQ
|
+$3.8M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$14.8M
+17.7% YoY+3.3% QoQ
|
$-681K |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$27.8M
-7.0% YoY-6.5% QoQ
|
+$2.0M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
62% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-95.6% YoY-69.4% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.8% in tier |
| NIM |
3.8%
-6.6% YoY+3.1% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
95.1%
+16.5% YoY+0.8% QoQ
|
+6.3% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
0.6%
-29.4% YoY-35.3% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
53.2%
+26.6% YoY+10.5% QoQ
|
-5.6% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$18,621
+7.6% YoY-1.1% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
5.0%
-25.9% YoY-18.4% QoQ
|
-19.6% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-95.5% YoY-89.7% QoQ
|
-13.6% | 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)