BlastPoint's Credit Union Scorecard

FLORIDACENTRAL

Charter #67668 · FL

Community 500M-750M

167 CUs in 500M-750M nationally 6 in FL

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FLORIDACENTRAL faces 8 concerns requiring attention

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 42.3% in tier
- Credit Risk Growth: Bottom 42.4% in tier
- Credit Quality Pressure: Bottom 43.7% in tier
- Indirect Auto Dependency: Bottom 78.9% in tier
- Shrinking Wallet Share: Bottom 84.6% in tier
- ROA 0.30% below tier average
- Efficiency ratio 2.13% above tier (higher cost structure)
- Net Worth Ratio: Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	43,878 +2.6% YoY+0.7% QoQ	+5.8K	38,079 -4.8% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	73%
Assets	$622.0M +0.7% YoY+1.2% QoQ	+$2.3M	$619.7M -0.2% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	52%
Loans	$407.7M +4.5% YoY+0.9% QoQ	$-11.6M	$419.3M -1.4% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	42%
Deposits	$589.2M -0.3% YoY+1.2% QoQ	+$49.7M	$539.5M -0.1% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	75%

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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% +47.0% YoY+10.2% QoQ	-0.3%	0.7% +36.0% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	29%
NIM	3.2% +4.1% YoY+1.8% QoQ	-0.3%	3.5% +4.5% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	31%
Efficiency Ratio	80.5% -3.9% YoY-2.2% QoQ	+2.1%	78.4% -3.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.5% +10.5% YoY-18.7% QoQ	-0.2	0.7% -0.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	42%
Loan To Share	69.2% +4.8% YoY-0.3% QoQ	-8.5%	77.7% -1.2% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	23%
AMR	$22,720 -1.0% YoY+0.3% QoQ	$-4K	$26,927 +3.1% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	29%
CD Concentration	25.2% +4.5% YoY+3.8% QoQ	+0.9%	24.3%	24.4%	19.8%	54%
Indirect Auto %	17.7% -11.2% YoY+1.0% QoQ	+3.9%	13.8%	10.8%	7.7%	68%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#457 of 596 • Bottom 42.3% in tier

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

Why This Signature

Efficiency Ratio: 80.52%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.12% points

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

but better than tier avg

Member Growth (YoY): 2.58%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#583 of 727 • Bottom 43.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#394 of 476 • Bottom 42.4% in tier

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

Why This Signature

Loan Growth (YoY): 4.48%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Shrinking Wallet Share

decline

#206 of 238 • Bottom 84.6% in tier

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

Why This Signature

AMR Growth (YoY): -0.97%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#497 of 504 • Bottom 78.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.65%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 17.71%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.58%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 167 peers in tier

Top Strengths (1 metrics)

Total Deposits

balance_sheet

Value: $589.19M

Peer Median: $543.36M

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (5 metrics)

158

Net Worth Ratio

risk

Value: 7.84%

Peer Median: 10.35%

#158 of 167 Bottom 6.0% in 500M-750M tier

143

Deposit Growth Rate

growth

Value: -0.33%

Peer Median: 4.02%

#143 of 167 Bottom 15.0% in 500M-750M tier

142

AMR Growth Rate

growth

Value: -0.97%

Peer Median: 4.03%

#142 of 167 Bottom 15.6% in 500M-750M tier

132

Asset Growth Rate

growth

Value: 0.65%

Peer Median: 4.66%

#132 of 167 Bottom 21.6% in 500M-750M tier

129

Loan-to-Share Ratio

balance_sheet

Value: 69.20%

Peer Median: 79.97%

#129 of 167 Bottom 23.4% in 500M-750M tier