BlastPoint's Credit Union Scorecard

GUARDIANS

Charter #67521 · FL

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

GUARDIANS has 4 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

+ ROA 0.36% above tier average
+ Net Interest Margin 0.74% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Members: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 29.4% in tier
- Shrinking Wallet Share: Bottom 59.9% in tier
- Flatlined Growth: Bottom 65.0% in tier
- Credit Quality Pressure: Bottom 75.0% in tier
- Capital Constraint: Bottom 95.5% in tier
- Average Member Relationship (AMR): Bottom 3.3% in tier
- Deposit Growth Rate: Bottom 6.4% in tier
- AMR Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	36,587 -0.4% YoY-0.3% QoQ	+21.1K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	Top 2.7% in tier
Assets	$299.1M -1.2% YoY+0.0% QoQ	+$67.2M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	73%
Loans	$214.1M -1.7% YoY-0.8% QoQ	+$66.7M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	79%
Deposits	$246.4M -3.1% YoY-0.1% QoQ	+$45.6M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	70%

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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% -6.9% YoY-2.1% QoQ	+0.4%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	75%
NIM	4.3% +3.3% YoY+2.0% QoQ	+0.7%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	Top 13.1% in tier
Efficiency Ratio	75.5% +6.0% YoY+1.7% QoQ	-1.5%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	43%
Delinquency Rate	0.4% +33.0% YoY+148.4% QoQ	-0.5	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	22%
Loan To Share	86.9% +1.5% YoY-0.7% QoQ	+14.6%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	78%
AMR	$12,587 -2.1% YoY-0.2% QoQ	$-12K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	Bottom 3.2% in tier
CD Concentration	14.0% -5.1% YoY+4.6% QoQ	-10.5%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Deposit Outflow

decline

#21 of 69 • Bottom 29.4% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.11%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline

#125 of 208 • Bottom 59.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.07%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Flatlined Growth

risk

#27 of 41 • Bottom 65.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -1.16%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 1.12%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Credit Quality Pressure

risk

#529 of 705 • Bottom 75.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% 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

Capital Constraint

risk

#22 of 23 • Bottom 95.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 86.87%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -3.11%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 14.92%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 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 1069 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Members

engagement

Value: 36,587

Peer Median: -

#29 of 1069 Top 2.6% in 100M-500M tier

140

Net Interest Margin (NIM)

profitability

Value: 4.35%

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

169

Net Worth Ratio

risk

Value: 14.92%

Peer Median: -

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

202

Share Certificate Concentration (%)

balance_sheet

Value: 13.96%

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

220

Total Loans

balance_sheet

Value: $214.08M

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

231

Loan-to-Share Ratio

balance_sheet

Value: 86.87%

Peer Median: -

#231 of 1069 Top 21.5% in 100M-500M tier

237

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: -

#237 of 1069 Top 22.1% in 100M-500M tier

263

Return on Assets (ROA)

profitability

Value: 1.12%

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1035

Average Member Relationship (AMR)

engagement

Value: $12,587

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

1002

Deposit Growth Rate

growth

Value: -3.11%

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

965

AMR Growth Rate

growth

Value: -2.07%

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

963

Asset Growth Rate

growth

Value: -1.16%

Peer Median: -

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

941

Loan-to-Member Ratio (LMR)

engagement

Value: $5,851

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier

888

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: -

#888 of 1069 Bottom 17.0% in 100M-500M tier

810

Loan Growth Rate

growth

Value: -1.68%

Peer Median: -

#810 of 1069 Bottom 24.3% in 100M-500M tier