INSIGHT

Charter #67344 | FL

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in FL

INSIGHT has 2 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 14.2% in tier
  • + Wallet Share Momentum: Top 29.6% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 11.5% in tier
  • - Credit Quality Pressure: Bottom 14.8% in tier
  • - Efficiency Drag: Bottom 15.8% in tier
  • - Growth-at-Risk: Bottom 19.8% in tier
  • - Stagnation Risk: Bottom 27.5% in tier
  • - ROA 0.85% below tier average
  • - Efficiency ratio 16.23% above tier (higher cost structure)
  • - Delinquency rate 0.22% above tier average
  • - Member decline: -3.7% YoY
  • - Asset Growth Rate: Bottom 5.3% in tier
  • - Deposit Growth Rate: Bottom 5.3% in tier
  • - Member Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 43,641
-3.7% YoY-0.3% QoQ
 +3.9K 39,752
-2.7% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 67th in tier
Assets $654.8M
-6.4% YoY-4.0% QoQ
 +$32.4M $622.4M
+0.3% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $378.9M
+3.7% YoY-2.9% QoQ
 $-57.0M $435.9M
-0.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Bottom 23.7% in tier
Deposits $576.7M
-4.6% YoY-1.9% QoQ
 +$38.7M $538.0M
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA -0.2%
-139.1% YoY-43.3% QoQ
 -0.9% 0.7%
+33.9% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Bottom 3.0% in tier
NIM 3.1%
+20.4% YoY+6.7% QoQ
 -0.3% 3.4%
+8.6% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 94.3%
+3.7% YoY-3.9% QoQ
 +16.2% 78.1%
-3.4% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Top 3.6% in tier
Delinquency Rate 1.0%
+23.4% YoY+6.9% QoQ
 +0.2 0.8%
-4.9% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Top 23.1% in tier
Loan To Share 65.7%
+8.6% YoY-1.0% QoQ
 -15.3% 81.0%
-1.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Bottom 12.4% in tier
AMR $21,898
+2.3% YoY-2.0% QoQ
 $-5K $26,482
+2.6% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 17.5%
-8.6% YoY-1.3% QoQ
 -6.9% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 26th in tier
Indirect Auto % 9.5%
+72.9% YoY+20.1% QoQ
 -4.5% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 53rd in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#393 of 1006 • Top 14.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.30%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#817 of 1006 • Top 29.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.30%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline
#190 of 550 • Bottom 11.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.67%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#368 of 736 • Bottom 14.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk
#280 of 521 • Bottom 15.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 94.33%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.69% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -3.67%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Growth-at-Risk

risk
#297 of 446 • Bottom 19.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.68%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Stagnation Risk

risk
#453 of 550 • Bottom 27.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.19%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.67%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 17.52%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (2 metrics)

18
First Mortgage Concentration (%)
balance_sheet
Value: 15.03%
Peer Avg: 33.53%
#18 of 169 Top 10.1% in 500M-750M tier
19
Share Certificate Concentration (%)
balance_sheet
Value: 17.52%
Peer Avg: 26.87%
#19 of 169 Top 10.7% in 500M-750M tier

Top Weaknesses (10 metrics)

164
Return on Assets (ROA)
profitability
Value: -0.19%
Peer Avg: 0.66%
#164 of 169 Bottom 3.6% in 500M-750M tier
164
Efficiency Ratio
profitability
Value: 94.33%
Peer Avg: 78.10%
#164 of 169 Bottom 3.6% in 500M-750M tier
161
Asset Growth Rate
growth
Value: -6.39%
Peer Avg: 4.33%
#161 of 169 Bottom 5.3% in 500M-750M tier
161
Deposit Growth Rate
growth
Value: -4.55%
Peer Avg: 5.25%
#161 of 169 Bottom 5.3% in 500M-750M tier
154
Member Growth Rate
growth
Value: -3.67%
Peer Avg: 1.75%
#154 of 169 Bottom 9.5% in 500M-750M tier
148
Loan-to-Share Ratio
balance_sheet
Value: 65.71%
Peer Avg: 81.02%
#148 of 169 Bottom 13.0% in 500M-750M tier
141
Fee Income Per Member
profitability
Value: $136.58
Peer Avg: $199.27
#141 of 169 Bottom 17.2% in 500M-750M tier
135
Loan-to-Member Ratio (LMR)
engagement
Value: $8,683
Peer Avg: $11,805
#135 of 169 Bottom 20.7% in 500M-750M tier
131
Total Delinquency Rate (60+ days)
risk
Value: 1.02%
Peer Avg: 0.80%
#131 of 169 Bottom 23.1% in 500M-750M tier
129
Total Loans
balance_sheet
Value: $378.94M
Peer Avg: $435.95M
#129 of 169 Bottom 24.3% in 500M-750M tier