BlastPoint's Credit Union Scorecard
UNIVERSITY
Charter #67348 · FL
UNIVERSITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 12.76% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 7.1% in tier
- - Net Interest Margin (NIM): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,030
+4.6% YoY+0.8% QoQ
|
+592 |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$234.1M
-1.9% YoY-0.4% QoQ
|
+$2.2M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$98.4M
+4.5% YoY+3.2% QoQ
|
$-49.0M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$206.8M
-0.2% YoY-0.1% QoQ
|
+$6.0M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.2%
-34.2% YoY-4.0% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.5% in tier |
| NIM |
2.6%
+0.6% YoY+0.4% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio |
89.8%
+5.0% YoY+0.5% QoQ
|
+12.8% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
0.3%
+54.6% YoY-36.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
47.6%
+4.7% YoY+3.2% QoQ
|
-24.7% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.0% in tier |
| AMR |
$19,038
-3.2% YoY+0.2% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
19.0%
+17.9% YoY+0.8% QoQ
|
-5.5% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)