BlastPoint's Credit Union Scorecard
UNIVERSITY
Charter #67348 · FL
UNIVERSITY has 2 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 8.0% in tier
- + Organic Growth Engine: Top 19.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 5.8% in tier
- - Credit Quality Pressure: Bottom 6.3% in tier
- - Efficiency Drag: Bottom 9.8% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 12.02% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 4.4% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
- - Loan-to-Share Ratio: Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,903
+4.4% YoY+2.3% QoQ
|
+274 |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$234.9M
-3.3% YoY-0.2% QoQ
|
+$3.6M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$95.3M
-2.6% YoY+2.4% QoQ
|
$-52.4M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$206.9M
-0.2% YoY-0.1% QoQ
|
+$6.6M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.2%
-30.1% YoY-2.8% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
2.6%
+2.0% YoY+2.7% QoQ
|
-1.0% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio |
89.3%
+4.5% YoY-1.5% QoQ
|
+12.0% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
0.5%
+562.1% YoY+16.7% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
46.1%
-2.4% YoY+2.5% QoQ
|
-26.6% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.9% in tier |
| AMR |
$19,007
-5.1% YoY-1.6% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
18.8%
+18.0% YoY+2.5% QoQ
|
-5.6% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-78.4% YoY-48.9% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
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 (3)
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.
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)