BlastPoint's Credit Union Scorecard
INSIGHT
Charter #67344 · FL
INSIGHT has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.0% in tier
- - Institutional Decline: Bottom 14.6% in tier
- - Credit Quality Pressure: Bottom 28.1% in tier
- - Stagnation Risk: Bottom 87.6% in tier
- - Membership Headwinds: Bottom 87.6% in tier
- - ROA 0.81% below tier average
- - Efficiency ratio 15.41% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Florida.
- Shares and deposits -2.0% year over year ($576M in shares and deposits).
- Membership: 41,917 members, -4.2% vs a year ago.
- Delinquency rate 1.13%.
- Return on assets 0.01%.
- Efficiency ratio 91.97% vs a 76.56% peer average.
- Loan-to-share ratio 65.18% vs a 79.33% 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 |
41,917
-4.2% YoY-2.5% QoQ
|
+4.0K |
37,897
-5.0% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$629.1M
-7.8% YoY-4.7% QoQ
|
+$6.8M |
$622.4M
+0.6% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$375.6M
-3.8% YoY+2.4% QoQ
|
$-52.9M |
$428.5M
-0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$576.3M
-2.0% YoY-1.5% QoQ
|
+$36.5M |
$539.8M
+0.9% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.0%
-103.0% YoY-109.3% QoQ
|
-0.8% |
0.8%
+39.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.1% in tier |
| NIM |
3.2%
+10.0% YoY+5.6% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
92.0%
-6.3% YoY-1.2% QoQ
|
+15.4% |
76.6%
-3.6% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
1.1%
+18.8% YoY+1.1% QoQ
|
+0.3 |
0.8%
+3.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
65.2%
-1.8% YoY+4.0% QoQ
|
-14.1% |
79.3%
-1.4% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$22,709
+1.6% YoY+2.6% QoQ
|
$-5K |
$27,294
+4.1% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
16.9%
-4.8% YoY-6.4% QoQ
|
-7.6% | 24.6% | 24.7% | 20.0% | 24% |
| Indirect Auto % |
10.8%
+37.0% YoY-4.2% QoQ
|
-2.8% | 13.6% | 10.8% | 7.7% | 56% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)