BlastPoint's Credit Union Scorecard
CHAMPIONS FIRST
Charter #67874 · FL
CHAMPIONS FIRST has 1 strength but faces 7 concerns
How does the industry compare?
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How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.6% in tier
- - Cost Spiral: Bottom 16.9% in tier
- - Indirect Auto Dependency: Bottom 20.9% in tier
- - Credit Risk Growth: Bottom 31.0% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 2.49% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
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 +6.9% year over year ($479M in shares and deposits).
- Membership: 33,076 members, +2.6% vs a year ago.
- Delinquency rate 1.27%.
- Return on assets 0.63%.
- Efficiency ratio 79.05% vs a 76.56% peer average.
- Loan-to-share ratio 87.58% 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 |
33,076
+2.6% YoY+0.4% QoQ
|
-4.8K |
37,897
-5.0% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$540.7M
+7.6% YoY+0.9% QoQ
|
$-81.7M |
$622.4M
+0.6% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$419.4M
+6.9% YoY+1.4% QoQ
|
$-9.1M |
$428.5M
-0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$478.8M
+6.9% YoY+0.5% QoQ
|
$-60.9M |
$539.8M
+0.9% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.6%
-22.5% YoY-23.2% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
3.2%
-1.1% YoY+1.8% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
79.1%
+7.0% YoY+1.9% QoQ
|
+2.5% |
76.6%
-3.6% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
1.3%
+102.7% YoY+21.2% QoQ
|
+0.5 |
0.8%
+3.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
85% |
| Loan To Share |
87.6%
-0.0% YoY+0.8% QoQ
|
+8.3% |
79.3%
-1.4% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$27,156
+4.2% YoY+0.5% QoQ
|
$-139 |
$27,294
+4.1% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
33.3%
+4.1% YoY+4.0% QoQ
|
+8.8% | 24.6% | 24.7% | 20.0% | 80% |
| Indirect Auto % |
15.2%
-5.8% YoY-3.7% QoQ
|
+1.5% | 13.6% | 10.8% | 7.7% | 63% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)