BlastPoint's Credit Union Scorecard

CALHOUN LIBERTY

Charter #67431 · FL

1077 CUs in 100M-500M nationally 35 in FL

CALHOUN LIBERTY has 5 strengths but faces 5 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

+ Relationship Depth Leader: Top 34.8% in tier
+ Credit Quality Leader: Top 40.4% in tier
+ Wallet Share Momentum: Top 70.6% in tier
+ ROA 0.14% above tier average
+ Net Interest Margin 0.79% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 21.4% in tier
- Credit Quality Pressure: Bottom 23.5% in tier
- Margin Compression: Bottom 28.9% in tier
- Efficiency ratio 1.71% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	9,181 -0.2% YoY-0.2% QoQ	-6.4K	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	24%
Assets	$166.7M +6.1% YoY+2.5% QoQ	$-64.6M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	38%
Loans	$122.5M +6.6% YoY+4.6% QoQ	$-25.3M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	49%
Deposits	$144.8M +5.7% YoY+2.7% QoQ	$-55.5M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	38%

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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	0.9% -13.1% YoY-2.9% QoQ	+0.1%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	61%
NIM	4.4% -17.6% YoY+1.2% QoQ	+0.8%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	Top 12.2% in tier
Efficiency Ratio	79.0% +3.8% YoY+0.3% QoQ	+1.7%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	56%
Delinquency Rate	0.2% +37.4% YoY+71322.5% QoQ	-0.7	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	Bottom 11.0% in tier
Loan To Share	84.6% +0.9% YoY+1.9% QoQ	+11.9%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	73%
AMR	$29,111 +6.3% YoY+3.8% QoQ	+$5K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	80%
CD Concentration	42.3% +3.9% YoY+5.5% QoQ	+17.9%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.6% -26.9% YoY-8.7% QoQ	-11.4%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#90 of 257 • Top 34.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.27%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.9K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Credit Quality Leader

growth

#138 of 340 • Top 40.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#340 of 481 • Top 70.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.27%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#321 of 446 • Bottom 21.4% in tier

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

Why This Signature

Loan Growth (YoY): 6.58%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#582 of 736 • Bottom 23.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Margin Compression

decline

#122 of 136 • Bottom 28.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.93%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.07%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 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 1077 peers in tier

Top Strengths (6 metrics)

120

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Avg: -

#120 of 1077 Top 11.0% in 100M-500M tier

131

Net Interest Margin (NIM)

profitability

Value: 4.38%

Peer Avg: -

#131 of 1077 Top 12.1% in 100M-500M tier

174

Loan-to-Member Ratio (LMR)

engagement

Value: $13,341

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

210

Average Member Relationship (AMR)

engagement

Value: $29,111

Peer Avg: -

#210 of 1077 Top 19.4% in 100M-500M tier

266

Net Charge-Off Rate

risk

Value: 0.16%

Peer Avg: -

#266 of 1077 Top 24.6% in 100M-500M tier

267

AMR Growth Rate

growth

Value: 6.27%

Peer Avg: -

#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1025

Share Certificate Concentration (%)

balance_sheet

Value: 42.28%

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

936

Members Per Employee (MPE)

engagement

Value: 235.410

Peer Avg: -

#936 of 1077 Bottom 13.2% in 100M-500M tier

923

First Mortgage Concentration (%)

balance_sheet

Value: 49.29%

Peer Avg: -

#923 of 1077 Bottom 14.4% in 100M-500M tier

820

Total Members

engagement

Value: 9,181

Peer Avg: -

#820 of 1077 Bottom 24.0% in 100M-500M tier