BlastPoint's Credit Union Scorecard
CAMPUS USA
Charter #68391 · FL
CAMPUS USA has 7 strengths but faces 2 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
- + Organic Growth Engine: Top 5.8% in tier
- + Profitability Leader: Top 44.7% in tier
- + Relationship Depth Leader: Top 80.3% in tier
- + Credit Quality Leader: Top 94.7% in tier
- + ROA 0.52% above tier average
- + Strong member growth: 5.1% YoY
- + Efficiency Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.8% in tier
- - Liquidity Strain: Bottom 13.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
172,264
+5.1% YoY+1.4% QoQ
|
-66.2K |
238,465
+0.6% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$3.7B
+9.4% YoY+1.9% QoQ
|
$-250.0M |
$4.0B
-0.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$3.1B
+7.7% YoY+4.0% QoQ
|
+$52.9M |
$3.0B
+3.3% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$3.2B
+8.8% YoY+1.4% QoQ
|
$-177.8M |
$3.3B
+1.1% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
1.3%
-2.6% YoY+3.3% QoQ
|
+0.5% |
0.7%
+5.3% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
2.9%
+6.7% YoY+0.3% QoQ
|
-0.3% |
3.2%
+13.7% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
58.1%
+1.9% YoY-2.8% QoQ
|
-13.1% |
71.3%
-0.6% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
0.4%
-20.0% YoY-5.0% QoQ
|
-0.4 |
0.8%
+15.9% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
97.4%
-1.0% YoY+2.5% QoQ
|
+6.5% |
90.8%
+2.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$36,149
+3.0% YoY+1.3% QoQ
|
+$7K |
$29,088
+0.1% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
40.3%
+2.8% YoY+1.7% QoQ
|
+11.3% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
Top 11.1% in tier |
| Indirect Auto % |
33.7%
+3.0% YoY+2.1% QoQ
|
+14.9% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
81% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
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.
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)