BlastPoint's Credit Union Scorecard

ADVENTHEALTH

Charter #67349 · FL

100M-500M

1069 CUs in 100M-500M nationally 35 in FL

ADVENTHEALTH has 6 strengths but faces 2 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.32% above tier average
+ Strong member growth: 5.3% YoY
+ Member Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	13,383 +5.3% YoY+3.4% QoQ	-2.1K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	50%
Assets	$121.9M +10.5% YoY+1.1% QoQ	$-109.9M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	Bottom 14.6% in tier
Loans	$94.5M +8.2% YoY+6.0% QoQ	$-52.9M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	31%
Deposits	$107.5M +10.0% YoY-0.1% QoQ	$-93.3M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +55.0% YoY-1.1% QoQ	+0.3%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	73%
NIM	3.3% +5.4% YoY-0.3% QoQ	-0.3%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	34%
Efficiency Ratio	74.0% -7.7% YoY+1.2% QoQ	-3.0%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	36%
Delinquency Rate	0.6% +281.7% YoY-0.6% QoQ	-0.3	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	39%
Loan To Share	87.9% -1.6% YoY+6.1% QoQ	+15.6%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	81%
AMR	$15,097 +3.7% YoY-0.7% QoQ	$-10K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	Bottom 9.9% in tier
CD Concentration	36.2% +5.1% YoY+1.9% QoQ	+11.7%	24.4%	24.1%	19.8%	50%
Indirect Auto %	5.8% +8.1% YoY+12.3% QoQ	-7.9%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#88 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.26%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.08%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 5.85%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#79 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.26%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 5.85%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#56 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.08%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 5.26%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#77 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.23%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.42% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#158 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.42% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Member Growth Rate

growth

Value: 5.26%

Peer Median: -

#98 of 1069 Top 9.1% in 100M-500M tier

116

Asset Growth Rate

growth

Value: 10.52%

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

132

Deposit Growth Rate

growth

Value: 10.01%

Peer Median: -

#132 of 1069 Top 12.3% in 100M-500M tier

169

Members Per Employee (MPE)

engagement

Value: 418.219

Peer Median: -

#169 of 1069 Top 15.7% in 100M-500M tier

205

Loan-to-Share Ratio

balance_sheet

Value: 87.86%

Peer Median: -

#205 of 1069 Top 19.1% in 100M-500M tier

252

Loan Growth Rate

growth

Value: 8.23%

Peer Median: -

#252 of 1069 Top 23.5% in 100M-500M tier

Top Weaknesses (6 metrics)

963

Average Member Relationship (AMR)

engagement

Value: $15,097

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

940

Share Certificate Concentration (%)

balance_sheet

Value: 36.16%

Peer Median: -

#940 of 1069 Bottom 12.2% in 100M-500M tier

913

Total Assets

balance_sheet

Value: $121.93M

Peer Median: -

#913 of 1069 Bottom 14.7% in 100M-500M tier

897

Total Deposits

balance_sheet

Value: $107.55M

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

837

Net Worth Ratio

risk

Value: 9.59%

Peer Median: -

#837 of 1069 Bottom 21.8% in 100M-500M tier

817

Loan-to-Member Ratio (LMR)

engagement

Value: $7,060

Peer Median: -

#817 of 1069 Bottom 23.7% in 100M-500M tier