BlastPoint's Credit Union Scorecard
OCALA COMMUNITY
Charter #67938 · FL
OCALA COMMUNITY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.9% YoY
- - Loan Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,615
-5.9% YoY-1.4% QoQ
|
0 |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$47.7M
-3.0% YoY-1.3% QoQ
|
+$17.5M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$15.2M
-17.8% YoY-5.4% QoQ
|
$-598K |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$42.5M
-3.5% YoY-1.6% QoQ
|
+$16.8M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.6%
-495.5% YoY+12.2% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.0%
+37.5% YoY+3.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
70.2%
-18.1% YoY+0.5% QoQ
|
-12.3% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.7%
-41.8% YoY+12.2% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
35.7%
-14.8% YoY-3.8% QoQ
|
-24.9% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$22,041
-2.0% YoY-1.3% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 14.4% in tier |
| CD Concentration |
16.4%
+10.1% YoY+4.7% QoQ
|
-8.1% | 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)