BlastPoint's Credit Union Scorecard

ECU

Charter #67336 · FL

<100M

2508 CUs in <100M nationally 35 in FL

ECU has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan Growth Rate: Top 3.5% in tier
+ AMR Growth Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.05% below tier average
- Efficiency ratio 3.71% above tier (higher cost structure)
- Member decline: -6.0% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	2,336 -6.0% YoY-1.8% QoQ	-340	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	58%
Assets	$35.9M -0.6% YoY+1.5% QoQ	+$5.8M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	65%
Loans	$14.3M +20.0% YoY+3.1% QoQ	$-972K	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	61%
Deposits	$29.7M -0.9% YoY+1.9% QoQ	+$3.9M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	64%

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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	0.1% -84.1% YoY-80.5% QoQ	-0.1%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	25%
NIM	3.7% -7.7% YoY-9.9% QoQ	-0.3%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	94.3% +14.0% YoY+10.7% QoQ	+3.7%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.9% -25.8% YoY+29.6% QoQ	-0.6	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	60%
Loan To Share	48.2% +21.1% YoY+1.2% QoQ	-10.3%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	33%
AMR	$18,834 +11.7% YoY+4.2% QoQ	+$4K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	73%
CD Concentration	6.1% -11.6% YoY-7.3% QoQ	-18.2%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.2% -64.7% YoY-37.4% 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 (3 metrics)

Loan Growth Rate

growth

Value: 19.99%

Peer Median: -2.36%

#90 of 2508 Top 3.5% in <100M tier

185

AMR Growth Rate

growth

Value: 11.67%

Peer Median: 1.27%

#185 of 2508 Top 7.3% in <100M tier

484

Fee Income Per Member

profitability

Value: $125.05

Peer Median: $60.42

#484 of 2508 Top 19.3% in <100M tier

Top Weaknesses (4 metrics)

2169

Member Growth Rate

growth

Value: -5.96%

Peer Median: -1.37%

#2169 of 2508 Bottom 13.6% in <100M tier

2138

Members Per Employee (MPE)

engagement

Value: 194.667

Peer Median: 333.750

#2138 of 2508 Bottom 14.8% in <100M tier

2134

Indirect Auto Concentration (%)

balance_sheet

Value: 0.17%

Peer Median: 0.00%

#2134 of 2508 Bottom 15.0% in <100M tier

1926

Efficiency Ratio

profitability

Value: 94.34%

Peer Median: 81.45%

#1926 of 2508 Bottom 23.2% in <100M tier