BlastPoint's Credit Union Scorecard
ELECTRICIANS' LOCAL 349
Charter #67338 · FL
ELECTRICIANS' LOCAL 349 has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 5.21% below tier average
- - Member decline: -7.7% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 7.9% in tier
- - Loan-to-Share Ratio: Bottom 7.9% in tier
- - Member Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
608
-7.7% YoY-1.8% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$4.8M
-1.6% YoY-1.0% QoQ
|
$-25.3M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$1.1M
-17.5% YoY-4.2% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.0% in tier |
| Deposits |
$4.1M
+4.6% YoY+5.8% QoQ
|
$-21.6M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
-4.6%
-338.2% YoY-448.0% QoQ
|
-5.2% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.1% in tier |
| NIM |
-0.8%
-116.0% YoY-117.5% QoQ
|
-4.8% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio | - | - |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
- |
| Delinquency Rate |
0.2%
-92.0% YoY
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
26.9%
-21.1% YoY-9.4% QoQ
|
-33.7% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.7% in tier |
| AMR |
$8,529
+7.3% YoY+5.4% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)