BlastPoint's Credit Union Scorecard

GUARDIANS

Charter #67521 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

GUARDIANS has 3 strengths but faces 8 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

+ Net Interest Margin 0.37% above tier average
+ Total Members: Top 2.4% in tier
+ Total Delinquency Rate (60+ days): Top 9.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.29% below tier average
- Efficiency ratio 4.19% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 3.7% in tier
- Net Charge-Off Rate: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	36,283 -1.3% YoY-0.8% QoQ	+21.1K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Top 2.5% in tier
Assets	$309.5M +0.6% YoY+3.5% QoQ	+$77.8M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	74%
Loans	$211.6M -1.7% YoY-1.1% QoQ	+$67.5M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	80%
Deposits	$256.1M -0.3% YoY+3.9% QoQ	+$54.9M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	72%

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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	0.4% -44.8% YoY-60.7% QoQ	-0.3%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	32%
NIM	4.0% +0.5% YoY-7.9% QoQ	+0.4%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	82.2% +5.4% YoY+8.9% QoQ	+4.2%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	0.1% -20.4% YoY-61.1% QoQ	-0.6	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	Top 9.8% in tier
Loan To Share	82.6% -1.4% YoY-4.9% QoQ	+12.2%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	75%
AMR	$12,889 +0.4% YoY+2.4% QoQ	$-12K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Bottom 3.6% in tier
CD Concentration	15.6% -3.6% YoY+11.7% QoQ	-8.7%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#451 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.21%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.36% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.34%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Membership Headwinds

decline

#450 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.34%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#454 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.34%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.67%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.15%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#210 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $309.50M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.34%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.67%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | 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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Members

engagement

Value: 36,283

Peer Median: 13,200

#27 of 1070 Top 2.4% in 100M-500M tier

106

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: 0.61%

#106 of 1070 Top 9.8% in 100M-500M tier

186

Net Worth Ratio

risk

Value: 14.53%

Peer Median: 11.45%

#186 of 1070 Top 17.3% in 100M-500M tier

218

Total Loans

balance_sheet

Value: $211.62M

Peer Median: $121.41M

#218 of 1070 Top 20.3% in 100M-500M tier

258

Share Certificate Concentration (%)

balance_sheet

Value: 15.60%

Peer Median: 23.10%

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1031

Average Member Relationship (AMR)

engagement

Value: $12,889

Peer Median: $22,931

#1031 of 1070 Bottom 3.7% in 100M-500M tier

980

Net Charge-Off Rate

risk

Value: 1.14%

Peer Median: 0.35%

#980 of 1070 Bottom 8.5% in 100M-500M tier

939

Loan-to-Member Ratio (LMR)

engagement

Value: $5,832

Peer Median: $9,356

#939 of 1070 Bottom 12.3% in 100M-500M tier

879

Deposit Growth Rate

growth

Value: -0.32%

Peer Median: 3.30%

#879 of 1070 Bottom 17.9% in 100M-500M tier

840

Asset Growth Rate

growth

Value: 0.62%

Peer Median: 3.91%

#840 of 1070 Bottom 21.6% in 100M-500M tier

817

AMR Growth Rate

growth

Value: 0.41%

Peer Median: 3.46%

#817 of 1070 Bottom 23.7% in 100M-500M tier

806

Loan Growth Rate

growth

Value: -1.67%

Peer Median: 2.93%

#806 of 1070 Bottom 24.8% in 100M-500M tier