BlastPoint's Credit Union Scorecard
CONNECT CREDIT UNION
Charter #67342 · FL
CONNECT CREDIT UNION has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Net Interest Margin 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 0.3% in tier
- + Total Assets: Top 0.8% in tier
- + Total Deposits: Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 2.4% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
- + Fee Income Per Member: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,226
-4.2% YoY-1.1% QoQ
|
+2.6K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Top 12.8% in tier |
| Assets |
$97.5M
-0.3% YoY-0.9% QoQ
|
+$67.6M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 0.8% in tier |
| Loans |
$74.6M
+2.8% YoY+5.5% QoQ
|
+$58.9M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 0.3% in tier |
| Deposits |
$83.6M
-1.9% YoY-1.6% QoQ
|
+$58.2M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 1.4% in tier |
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| ROA |
1.1%
+10.9% YoY-10.8% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
4.2%
+12.0% YoY+4.5% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
70.0%
-4.4% YoY+4.8% QoQ
|
-11.4% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.5%
-4.4% YoY+12.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
89.2%
+4.8% YoY+7.2% QoQ
|
+28.0% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Top 11.9% in tier |
| AMR |
$30,284
+4.6% YoY+2.8% QoQ
|
+$16K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 4.0% in tier |
| CD Concentration |
23.1%
-7.6% YoY+1.6% QoQ
|
-1.3% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
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)