BlastPoint's Credit Union Scorecard
OCALA COMMUNITY
Charter #67938 · FL
OCALA COMMUNITY faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Delinquency rate 1.02% above tier average
- - Member decline: -4.6% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -2.1% year over year ($43.9M in shares and deposits).
- Membership: 2,547 members, -4.6% vs a year ago.
- Delinquency rate 2.57%.
- Return on assets 0.57%.
- Efficiency ratio 72.13% vs a 88.77% peer average.
- Loan-to-share ratio 33.66% vs a 58.89% 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 |
2,547
-4.6% YoY-0.2% QoQ
|
-38 |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$49.3M
-1.5% YoY+0.4% QoQ
|
+$19.0M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$14.8M
-11.7% YoY+4.1% QoQ
|
$-688K |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$43.9M
-2.1% YoY+0.3% QoQ
|
+$18.1M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
0.6%
+204.4% YoY+171.9% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
3.1%
+13.5% YoY+5.0% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
72.1%
+3.6% YoY-4.0% QoQ
|
-16.6% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
2.6%
+94.9% YoY+101.6% QoQ
|
+1.0 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
33.7%
-9.8% YoY+3.9% QoQ
|
-25.2% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.9% in tier |
| AMR |
$23,030
-0.1% YoY+1.4% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Top 12.9% in tier |
| CD Concentration |
17.4%
+17.4% YoY+3.0% QoQ
|
-7.1% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 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)