BlastPoint's Credit Union Scorecard
JAX FIRE
Charter #67717 · FL
JAX FIRE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -11.0% YoY
- - Member Growth Rate: Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 6.4% in tier
- - Deposit Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,424
-11.0% YoY-1.5% QoQ
|
-191 |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$41.5M
-8.6% YoY-4.2% QoQ
|
+$11.4M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$17.2M
-5.1% YoY-2.8% QoQ
|
+$1.4M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$36.4M
-9.9% YoY-4.2% QoQ
|
+$10.7M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.9%
+6.3% YoY-15.6% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.1%
+5.0% YoY+2.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
80.4%
+3.2% YoY+3.3% QoQ
|
-2.2% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.2%
+68.1% YoY-71.4% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
47.2%
+5.3% YoY+1.5% QoQ
|
-13.4% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$22,111
+2.9% YoY-2.3% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 14.2% in tier |
| CD Concentration |
5.0%
-18.8% YoY+4.7% QoQ
|
-19.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)