BlastPoint's Credit Union Scorecard
CHAMPIONS FIRST
Charter #67874 · FL
CHAMPIONS FIRST has 3 strengths but faces 5 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
- + Wallet Share Momentum: Top 44.6% in tier
- + ROA 0.15% above tier average
- + First Mortgage Concentration (%): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 18.5% in tier
- - Indirect Auto Dependency: Bottom 23.8% in tier
- - Liquidity Strain: Bottom 26.4% in tier
- - Membership Headwinds: Bottom 29.1% in tier
- - Total Assets: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,540
-1.0% YoY+0.9% QoQ
|
-7.2K |
39,752
-2.7% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$510.2M
+5.6% YoY+1.5% QoQ
|
$-112.2M |
$622.4M
+0.3% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.9% in tier |
| Loans |
$407.8M
+9.2% YoY+3.9% QoQ
|
$-28.2M |
$435.9M
-0.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$452.9M
+4.8% YoY+1.1% QoQ
|
$-85.1M |
$538.0M
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.1% in tier |
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| ROA |
0.8%
+56.7% YoY+0.1% QoQ
|
+0.2% |
0.7%
+33.9% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.3%
+12.1% YoY+1.4% QoQ
|
-0.1% |
3.4%
+8.6% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
73.3%
-7.8% YoY-0.9% QoQ
|
-4.8% |
78.1%
-3.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.8%
-23.5% YoY+21.8% QoQ
|
-0.0 |
0.8%
-4.9% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
90.0%
+4.2% YoY+2.8% QoQ
|
+9.0% |
81.0%
-1.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$26,449
+7.9% YoY+1.5% QoQ
|
$-32 |
$26,482
+2.6% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
30.6%
+1.6% YoY-4.3% QoQ
|
+6.2% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
72% |
| Indirect Auto % |
16.1%
-8.8% YoY-0.1% QoQ
|
+2.1% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
63% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)