BlastPoint's Credit Union Scorecard

CHAMPIONS FIRST

Charter #67874 · FL

Community 500M-750M
165 CUs in 500M-750M nationally 6 in FL
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CHAMPIONS FIRST has 5 strengths but faces 4 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 Engine: Top 82.2% in tier
  • + Organic Growth Leader: Top 90.8% in tier
  • + Wallet Share Momentum: Top 98.4% in tier
  • + ROA 0.25% above tier average
  • + First Mortgage Concentration (%): Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 62.0% in tier
  • - Credit Quality Pressure: Bottom 81.7% in tier
  • - Indirect Auto Dependency: Bottom 92.1% in tier
  • - Total Assets: Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 32,740
+0.8% YoY+0.6% QoQ
 -5.8K 38,575
-4.8% YoY
 72,012
+7.1% YoY
 33,374
+5.7% YoY
 30%
Assets $519.4M
+4.5% YoY+1.8% QoQ
 $-102.3M $621.7M
+0.1% YoY
 $1.1B
+9.4% YoY
 $561.6M
+9.7% YoY
 Bottom 7.9% in tier
Loans $410.9M
+8.7% YoY+0.8% QoQ
 $-18.9M $429.8M
-1.8% YoY
 $808.5M
+10.5% YoY
 $397.0M
+8.8% YoY
 41%
Deposits $460.1M
+3.4% YoY+1.6% QoQ
 $-78.6M $538.7M
+0.6% YoY
 $948.9M
+9.7% YoY
 $477.3M
+9.7% YoY
 Bottom 13.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
+46.4% YoY+11.9% QoQ
 +0.2% 0.7%
+42.9% YoY
 0.6%
+16.0% YoY
 0.7%
+15.9% YoY
 70%
NIM 3.3%
+11.2% YoY-0.2% QoQ
 -0.1% 3.4%
+8.0% YoY
 3.6%
+4.0% YoY
 3.8%
+5.1% YoY
 36%
Efficiency Ratio 71.6%
-7.6% YoY-2.3% QoQ
 -5.9% 77.5%
-4.1% YoY
 77.7%
-2.7% YoY
 79.7%
-3.3% YoY
 27%
Delinquency Rate 0.8%
+9.2% YoY+4.0% QoQ
 -0.0 0.8%
-1.1% YoY
 0.7%
+7.1% YoY
 1.3%
-2.1% YoY
 60%
Loan To Share 89.3%
+5.1% YoY-0.8% QoQ
 +9.5% 79.8%
-2.3% YoY
 71.1%
+0.4% YoY
 67.4%
-1.7% YoY
 76%
AMR $26,606
+5.0% YoY+0.6% QoQ
 $-243 $26,849
+2.7% YoY
 $22,519
+3.6% YoY
 $19,687
+2.0% YoY
 59%
CD Concentration 30.8%
-0.9% YoY+0.5% QoQ
 +6.3% 24.4% 24.1% 19.8% 73%
Indirect Auto % 16.1%
-6.3% YoY-0.2% QoQ
 +2.3% 13.8% 10.8% 7.8% 64%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#489 of 595 • Top 82.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.79%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.91%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 16.06%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#387 of 426 • Top 90.8% in tier

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

Why This Signature
Member Growth (YoY): 0.79%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 16.06%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
609 nationally
→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth
#505 of 513 • Top 98.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.03%
(Tier: 4.17%, National: 4.00%)
better than tier avg
662 nationally
↑ Growing +180 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk
#283 of 456 • Bottom 62.0% in tier

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

Why This Signature
Loan Growth (YoY): 8.72%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
665 nationally
→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk
#576 of 705 • Bottom 81.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#466 of 506 • Bottom 92.1% in tier

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

Why This Signature
Asset Growth (YoY): 4.53%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 16.06%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 0.79%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

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)

Comparing against 165 peers in tier

Top Strengths (3 metrics)

6
First Mortgage Concentration (%)
balance_sheet
Value: 10.87%
Peer Median: -
#6 of 165 Top 3.0% in 500M-750M tier
38
Loan Growth Rate
growth
Value: 8.72%
Peer Median: -
#38 of 165 Top 22.4% in 500M-750M tier
40
Loan-to-Share Ratio
balance_sheet
Value: 89.31%
Peer Median: -
#40 of 165 Top 23.6% in 500M-750M tier

Top Weaknesses (2 metrics)

152
Total Assets
balance_sheet
Value: $519.38M
Peer Median: -
#152 of 165 Bottom 8.5% in 500M-750M tier
143
Total Deposits
balance_sheet
Value: $460.12M
Peer Median: -
#143 of 165 Bottom 13.9% in 500M-750M tier
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