BlastPoint's Credit Union Scorecard
FLORIDACENTRAL
Charter #67668 · FL
FLORIDACENTRAL faces 10 concerns requiring attention
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Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 7.6% in tier
- - Stagnation Risk: Bottom 16.8% in tier
- - Efficiency Drag: Bottom 19.8% in tier
- - Indirect Auto Dependency: Bottom 29.9% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 6.27% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Member Growth Rate: Bottom 5.3% in tier
- - Net Worth Ratio: Bottom 5.3% in tier
- - Deposit Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,181
-4.7% YoY+0.6% QoQ
|
+3.4K |
39,752
-2.7% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$592.9M
-1.9% YoY-2.5% QoQ
|
$-29.5M |
$622.4M
+0.3% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$403.9M
+3.7% YoY+1.5% QoQ
|
$-32.1M |
$435.9M
-0.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$565.4M
-2.5% YoY-2.8% QoQ
|
+$27.4M |
$538.0M
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
0.3%
+96.9% YoY+7.7% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.1%
+6.3% YoY+1.7% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
84.4%
-5.4% YoY-1.2% QoQ
|
+6.3% |
78.1%
-3.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.5%
-24.9% YoY+17.5% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
71.4%
+6.4% YoY+4.4% QoQ
|
-9.6% |
81.0%
-1.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$22,447
+5.0% YoY-1.7% QoQ
|
$-4K |
$26,482
+2.6% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
25.5%
-2.6% YoY+1.3% QoQ
|
+1.1% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
54% |
| Indirect Auto % |
19.5%
-15.5% YoY+6.8% QoQ
|
+5.5% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
70% |
Signature Analysis
Strengths (0)
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)