BlastPoint's Credit Union Scorecard
INSIGHT
Charter #67344 · FL
INSIGHT has 1 strength but faces 11 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 38.3% in tier
- - Stagnation Risk: Bottom 44.1% in tier
- - Efficiency Drag: Bottom 49.5% in tier
- - Credit Quality Pressure: Bottom 50.1% in tier
- - Credit Risk Growth: Bottom 68.3% in tier
- - ROA 0.76% below tier average
- - Efficiency ratio 15.62% above tier (higher cost structure)
- - Delinquency rate 0.31% above tier average
- - Member decline: -3.6% YoY
- - Asset Growth Rate: Bottom 6.7% in tier
- - Deposit Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,557
-3.6% YoY-0.2% QoQ
|
+5.0K |
38,575
-4.8% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$659.2M
-3.9% YoY+0.7% QoQ
|
+$37.5M |
$621.7M
+0.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$369.4M
+3.5% YoY-2.5% QoQ
|
$-60.4M |
$429.8M
-1.8% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$579.4M
-2.7% YoY+0.5% QoQ
|
+$40.7M |
$538.7M
+0.6% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
-0.1%
-118.4% YoY-48.3% QoQ
|
-0.8% |
0.7%
+42.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.6% in tier |
| NIM |
3.1%
+19.0% YoY+1.4% QoQ
|
-0.3% |
3.4%
+8.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
93.1%
+4.6% YoY-1.3% QoQ
|
+15.6% |
77.5%
-4.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
1.1%
+22.2% YoY+12.7% QoQ
|
+0.3 |
0.8%
-1.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
63.8%
+6.4% YoY-3.0% QoQ
|
-16.1% |
79.8%
-2.3% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.1% in tier |
| AMR |
$21,783
+3.4% YoY-0.5% QoQ
|
$-5K |
$26,849
+2.7% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
19.4%
+8.8% YoY+10.8% QoQ
|
-5.0% | 24.4% | 24.1% | 19.8% | 33% |
| Indirect Auto % |
11.0%
+55.6% YoY+15.9% QoQ
|
-2.8% | 13.8% | 10.8% | 7.8% | 56% |
Signature Analysis
Strengths (0)
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)