BlastPoint's Credit Union Scorecard
ADVENTHEALTH
Charter #67349 · FL
ADVENTHEALTH has 8 strengths but faces 2 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
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.06% above tier average
- + Strong member growth: 6.2% YoY
- + Loan Growth Rate: Top 3.6% in tier
- + Member Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Efficiency ratio 1.40% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,672
+6.2% YoY+2.2% QoQ
|
-1.5K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$126.8M
+7.5% YoY+4.0% QoQ
|
$-104.9M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$99.5M
+19.7% YoY+5.4% QoQ
|
$-44.6M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$112.1M
+6.4% YoY+4.3% QoQ
|
$-89.0M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.8%
-20.1% YoY-27.4% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
3.5%
+2.3% YoY+3.9% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
79.4%
+4.1% YoY+7.3% QoQ
|
+1.4% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
0.5%
-30.0% YoY-13.9% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
88.8%
+12.5% YoY+1.0% QoQ
|
+18.4% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Top 12.9% in tier |
| AMR |
$15,482
+5.7% YoY+2.6% QoQ
|
$-9K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.9% in tier |
| CD Concentration |
34.7%
+4.4% YoY-4.0% QoQ
|
+10.4% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
6.1%
+20.7% YoY+3.5% QoQ
|
-7.7% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)