BlastPoint's Credit Union Scorecard
GUARDIANS
Charter #67521 · FL
GUARDIANS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Total Members: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 4.42% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +1.2% year over year ($256M in shares and deposits).
- Membership: 36,157 members, -1.6% vs a year ago.
- Delinquency rate 0.42%.
- Return on assets 0.52%.
- Efficiency ratio 81.15% vs a 76.73% peer average.
- Loan-to-share ratio 80.88% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,157
-1.6% YoY-0.3% QoQ
|
+21.0K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Top 2.9% in tier |
| Assets |
$309.5M
+1.6% YoY+0.0% QoQ
|
+$77.5M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$207.4M
-3.0% YoY-2.0% QoQ
|
+$61.1M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$256.4M
+1.2% YoY+0.1% QoQ
|
+$55.7M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.5%
-48.6% YoY+19.2% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
4.1%
-1.4% YoY+1.2% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
81.1%
+7.7% YoY-1.3% QoQ
|
+4.4% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.4%
+13.0% YoY+180.5% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
80.9%
-4.1% YoY-2.1% QoQ
|
+9.3% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$12,825
+0.8% YoY-0.5% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.3% in tier |
| CD Concentration |
16.9%
+15.2% YoY+8.6% QoQ
|
-7.6% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)