BlastPoint's Credit Union Scorecard
CONNECT CREDIT UNION
Charter #67342 · FL
CONNECT CREDIT UNION has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 19.8% in tier
- + Wallet Share Momentum: Top 38.5% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 24.2% in tier
- - Credit Quality Pressure: Bottom 30.8% in tier
- - Credit Risk Growth: Bottom 47.5% in tier
- - Stagnation Risk: Bottom 47.9% in tier
- - Margin Compression: Bottom 95.9% in tier
- - Member decline: -4.9% YoY
- - Total Assets: Bottom 1.3% in tier
- - Total Deposits: Bottom 2.2% in tier
- - Total Members: Bottom 3.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,146
-4.9% YoY-1.5% QoQ
|
-10.3K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$101.9M
+4.1% YoY+4.6% QoQ
|
$-129.9M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.2% in tier |
| Loans |
$76.2M
+3.6% YoY+2.1% QoQ
|
$-71.2M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$88.7M
+3.3% YoY+6.1% QoQ
|
$-112.1M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.1% in tier |
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| ROA |
0.9%
-11.0% YoY-19.5% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
4.1%
+8.7% YoY-1.2% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
71.8%
-3.3% YoY+2.6% QoQ
|
-5.2% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.6%
+118.3% YoY+39.4% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
85.9%
+0.3% YoY-3.8% QoQ
|
+13.6% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$32,050
+8.8% YoY+5.8% QoQ
|
+$7K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 13.8% in tier |
| CD Concentration |
26.0%
+17.8% YoY+12.8% QoQ
|
+1.6% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)