BlastPoint's Credit Union Scorecard
CONTAINER MUTUAL
Charter #67933 · FL
CONTAINER MUTUAL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.2% in tier
- + Net Charge-Off Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 1.30% above tier (higher cost structure)
- - Member decline: -6.6% YoY
- - Deposit Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
578
-6.6% YoY+1.0% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$5.8M
-4.7% YoY-2.3% QoQ
|
$-24.4M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$2.0M
-0.8% YoY-6.8% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$3.1M
-9.0% YoY-4.8% QoQ
|
$-22.6M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.5%
+24.3% YoY+71.5% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.2%
+11.1% YoY+4.4% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
83.9%
-13.0% YoY-7.0% QoQ
|
+1.3% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
65.3%
+9.0% YoY-2.1% QoQ
|
+4.6% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$8,878
+0.7% YoY-6.6% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration | 0.0% | -24.4% | 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)