BlastPoint's Credit Union Scorecard
FLORIDACENTRAL
Charter #67668 · FL
FLORIDACENTRAL faces 8 concerns requiring attention
How does the industry compare?
What's your peer group doing?
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 15.6% in tier
- - Credit Quality Pressure: Bottom 22.6% in tier
- - Credit Risk Growth: Bottom 56.9% in tier
- - Indirect Auto Dependency: Bottom 68.1% in tier
- - Shrinking Wallet Share: Bottom 87.3% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 11.18% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.5% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Florida.
- Shares and deposits +1.3% year over year ($589M in shares and deposits).
- Membership: 44,253 members, +3.1% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 0.18%.
- Efficiency ratio 87.74% vs a 76.56% peer average.
- Loan-to-share ratio 69.04% vs a 79.33% 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 |
44,253
+3.1% YoY+0.9% QoQ
|
+6.4K |
37,897
-5.0% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$621.8M
+2.2% YoY-0.0% QoQ
|
$-613K |
$622.4M
+0.6% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$406.6M
+2.2% YoY-0.3% QoQ
|
$-21.9M |
$428.5M
-0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$589.0M
+1.3% YoY-0.0% QoQ
|
+$49.2M |
$539.8M
+0.9% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
74% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-32.9% YoY-54.5% QoQ
|
-0.6% |
0.8%
+39.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.7% in tier |
| NIM |
3.3%
+6.9% YoY+2.0% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
87.7%
+2.8% YoY+9.0% QoQ
|
+11.2% |
76.6%
-3.6% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate |
0.7%
+59.3% YoY+27.5% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
69.0%
+0.9% YoY-0.2% QoQ
|
-10.3% |
79.3%
-1.4% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$22,498
-1.5% YoY-1.0% QoQ
|
$-5K |
$27,294
+4.1% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
25.9%
+2.9% YoY+2.8% QoQ
|
+1.3% | 24.6% | 24.7% | 20.0% | 56% |
| Indirect Auto % |
18.2%
-0.0% YoY+2.9% QoQ
|
+4.6% | 13.6% | 10.8% | 7.7% | 69% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)