BlastPoint's Credit Union Scorecard
CALHOUN LIBERTY
Charter #67431 · FL
CALHOUN LIBERTY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 27.7% in tier
- + Wallet Share Momentum: Top 58.4% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.74% above tier average
- + Total Delinquency Rate (60+ days): Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 73.6% in tier
- - Membership Headwinds: Bottom 93.3% in tier
- - Credit Quality Pressure: Bottom 97.9% in tier
- - Stagnation Risk: Bottom 100.0% in tier
- - Share Certificate Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,145
-0.8% YoY-0.4% QoQ
|
-6.3K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$172.2M
+7.6% YoY+3.3% QoQ
|
$-59.7M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$126.9M
+9.4% YoY+3.6% QoQ
|
$-20.4M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$144.7M
+3.8% YoY-0.1% QoQ
|
$-56.1M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
1.0%
+27.8% YoY+5.4% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
4.3%
+11.7% YoY-0.8% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
74.7%
-0.5% YoY-5.4% QoQ
|
-2.3% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.0%
+23.6% YoY-77.4% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.1% in tier |
| Loan To Share |
87.7%
+5.5% YoY+3.7% QoQ
|
+15.5% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$29,700
+7.2% YoY+2.0% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
41.1%
-1.1% YoY-2.9% QoQ
|
+16.6% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
2.3%
-30.8% YoY-11.7% QoQ
|
-11.5% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)