BlastPoint's Credit Union Scorecard
INSIGHT
Charter #67344 · FL
INSIGHT has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.3% in tier
- - Institutional Decline: Bottom 12.9% in tier
- - Credit Quality Pressure: Bottom 16.5% in tier
- - Stagnation Risk: Bottom 88.2% in tier
- - Membership Headwinds: Bottom 88.2% in tier
- - ROA 0.80% below tier average
- - Efficiency ratio 14.69% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,981
-4.3% YoY-1.3% QoQ
|
+4.9K |
38,079
-4.8% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$659.8M
-6.0% YoY+0.1% QoQ
|
+$40.2M |
$619.7M
-0.2% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$366.7M
-3.1% YoY-0.7% QoQ
|
$-52.7M |
$419.3M
-1.4% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$585.1M
-3.1% YoY+1.0% QoQ
|
+$45.7M |
$539.5M
-0.1% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
-0.1%
-73.4% YoY+11.4% QoQ
|
-0.8% |
0.7%
+36.0% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.8% in tier |
| NIM |
3.0%
+5.2% YoY-3.7% QoQ
|
-0.4% |
3.5%
+4.5% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
93.1%
-6.9% YoY-0.1% QoQ
|
+14.7% |
78.4%
-3.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
1.1%
+38.8% YoY-2.5% QoQ
|
+0.4 |
0.7%
-0.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
62.7%
-0.0% YoY-1.7% QoQ
|
-15.0% |
77.7%
-1.2% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.6% in tier |
| AMR |
$22,144
+1.2% YoY+1.7% QoQ
|
$-5K |
$26,927
+3.1% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
18.1%
+3.2% YoY-6.9% QoQ
|
-6.2% | 24.3% | 24.4% | 19.8% | 28% |
| Indirect Auto % |
11.3%
+49.5% YoY+2.7% QoQ
|
-2.5% | 13.8% | 10.8% | 7.7% | 55% |
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)