BlastPoint's Credit Union Scorecard
CAMPUS USA
Charter #68391 · FL
CAMPUS USA has 6 strengths but faces 6 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
- + Relationship Depth Leader: Top 9.4% in tier
- + Wallet Share Momentum: Top 10.7% in tier
- + ROA 0.52% above tier average
- + AMR Growth Rate: Top 2.6% in tier
- + Efficiency Ratio: Top 5.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.6% in tier
- - Liquidity Strain: Bottom 35.2% in tier
- - Membership Headwinds: Bottom 41.7% in tier
- - Stagnation Risk: Bottom 83.3% in tier
- - Member decline: -3.3% YoY
- - Member Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
160,308
-3.3% YoY-6.9% QoQ
|
-70.0K |
230,353
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.2% in tier |
| Assets |
$3.9B
+12.9% YoY+3.5% QoQ
|
$-88.3M |
$3.9B
+0.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$3.1B
+9.5% YoY+2.5% QoQ
|
+$213.9M |
$2.9B
-0.2% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$3.3B
+11.1% YoY+3.3% QoQ
|
$-51.5M |
$3.3B
-0.3% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.2%
+10.4% YoY-2.6% QoQ
|
+0.5% |
0.7%
+16.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Top 13.2% in tier |
| NIM |
2.9%
+5.6% YoY-0.3% QoQ
|
-0.2% |
3.1%
+9.8% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
57.9%
-2.3% YoY-0.3% QoQ
|
-13.5% |
71.4%
-1.4% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.4%
-10.8% YoY+3.7% QoQ
|
-0.4 |
0.9%
+5.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
96.6%
-1.4% YoY-0.8% QoQ
|
+7.7% |
88.9%
-0.2% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$39,975
+14.1% YoY+10.6% QoQ
|
+$10K |
$29,682
+1.5% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 11.8% in tier |
| CD Concentration |
40.5%
+3.7% YoY+0.5% QoQ
|
+11.5% | 29.0% | 24.1% | 19.8% | Top 10.6% in tier |
| Indirect Auto % |
33.4%
+2.7% YoY-0.9% QoQ
|
+15.1% | 18.3% | 10.8% | 7.8% | 81% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)