BlastPoint's Credit Union Scorecard

FLORIDACENTRAL

Charter #67668 · FL

Community 500M-750M

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

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FLORIDACENTRAL has 2 strengths but faces 7 concerns

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

+ Organic Growth Leader: Top 60.2% in tier
+ Organic Growth Engine: Top 90.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 63.6% in tier
- Efficiency Drag: Bottom 64.2% in tier
- Credit Risk Growth: Bottom 76.5% in tier
- Indirect Auto Dependency: Bottom 97.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 4.81% above tier (higher cost structure)
- Net Worth Ratio: Bottom 4.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	43,564 +2.0% YoY+0.9% QoQ	+5.0K	38,575 -4.8% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	70%
Assets	$614.7M +2.4% YoY+3.7% QoQ	$-7.0M	$621.7M +0.1% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	45%
Loans	$404.2M +3.8% YoY+0.1% QoQ	$-25.6M	$429.8M -1.8% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	36%
Deposits	$582.3M +0.8% YoY+3.0% QoQ	+$43.6M	$538.7M +0.6% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	74%

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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% +110.6% YoY+24.5% QoQ	-0.3%	0.7% +42.9% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	30%
NIM	3.2% +6.3% YoY+1.3% QoQ	-0.3%	3.4% +8.0% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	28%
Efficiency Ratio	82.3% -7.1% YoY-2.4% QoQ	+4.8%	77.5% -4.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	0.7% +24.7% YoY+30.7% QoQ	-0.2	0.8% -1.1% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	46%
Loan To Share	69.4% +3.0% YoY-2.8% QoQ	-10.4%	79.8% -2.3% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	19%
AMR	$22,644 -0.0% YoY+0.9% QoQ	$-4K	$26,849 +2.7% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	30%
CD Concentration	24.3% +2.3% YoY-4.7% QoQ	-0.1%	24.4%	24.1%	19.8%	50%
Indirect Auto %	17.5% -18.2% YoY-10.0% QoQ	+3.7%	13.8%	10.8%	7.8%	67%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#257 of 426 • Top 60.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 17.54%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#538 of 595 • Top 90.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.35%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 17.54%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#449 of 705 • Bottom 63.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#346 of 538 • Bottom 64.2% in tier

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

Why This Signature

Efficiency Ratio: 82.32%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 2.01%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Risk Growth

risk

#349 of 456 • Bottom 76.5% in tier

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

Why This Signature

Loan Growth (YoY): 3.83%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#491 of 506 • Bottom 97.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.36%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 17.54%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.01%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

745 nationally

↓ Shrinking -35 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 165 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

158

Net Worth Ratio

risk

Value: 7.83%

Peer Median: -

#158 of 165 Bottom 4.8% in 500M-750M tier

137

Deposit Growth Rate

growth

Value: 0.79%

Peer Median: -

#137 of 165 Bottom 17.6% in 500M-750M tier

134

Loan-to-Share Ratio

balance_sheet

Value: 69.41%

Peer Median: -

#134 of 165 Bottom 19.4% in 500M-750M tier

129

AMR Growth Rate

growth

Value: -0.00%

Peer Median: -

#129 of 165 Bottom 22.4% in 500M-750M tier

128

Loan-to-Member Ratio (LMR)

engagement

Value: $9,278

Peer Median: -

#128 of 165 Bottom 23.0% in 500M-750M tier