BlastPoint's Credit Union Scorecard
CHAMPIONS FIRST
Charter #67874 · FL
CHAMPIONS FIRST has 2 strengths but faces 4 concerns
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
- + ROA 0.13% above tier average
- + First Mortgage Concentration (%): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.3% in tier
- - Credit Risk Growth: Bottom 23.8% in tier
- - Indirect Auto Dependency: Bottom 30.8% in tier
- - Delinquency rate 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,930
+1.9% YoY+0.6% QoQ
|
-5.1K |
38,079
-4.8% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$535.8M
+6.5% YoY+3.2% QoQ
|
$-83.9M |
$619.7M
-0.2% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$413.6M
+8.3% YoY+0.6% QoQ
|
$-5.7M |
$419.3M
-1.4% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$476.2M
+5.7% YoY+3.5% QoQ
|
$-63.3M |
$539.5M
-0.1% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.8%
+30.2% YoY-9.8% QoQ
|
+0.1% |
0.7%
+36.0% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
3.2%
-0.9% YoY-4.0% QoQ
|
-0.3% |
3.5%
+4.5% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
77.6%
-0.2% YoY+8.4% QoQ
|
-0.8% |
78.4%
-3.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
1.0%
+83.5% YoY+32.0% QoQ
|
+0.3 |
0.7%
-0.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
86.9%
+2.5% YoY-2.8% QoQ
|
+9.2% |
77.7%
-1.2% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$27,022
+4.9% YoY+1.6% QoQ
|
+$94 |
$26,927
+3.1% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
32.0%
+5.6% YoY+4.1% QoQ
|
+7.8% | 24.3% | 24.4% | 19.8% | 77% |
| Indirect Auto % |
15.7%
-1.6% YoY-2.0% QoQ
|
+1.9% | 13.8% | 10.8% | 7.7% | 64% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)