BlastPoint's Credit Union Scorecard

CAMPUS USA

Charter #68391 · FL

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 7 in FL

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CAMPUS USA has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 4.6% in tier
+ Wallet Share Momentum: Top 4.6% in tier
+ ROA 0.34% above tier average
+ AMR Growth Rate: Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 15.3% in tier
- Liquidity Strain: Bottom 21.1% in tier
- Membership Headwinds: Bottom 90.6% in tier
- Stagnation Risk: Bottom 90.6% in tier
- Member decline: -3.1% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 7 that size in Florida.
Shares and deposits +10.0% year over year ($3.42B in shares and deposits).
Membership: 164,703 members, -3.1% vs a year ago.
Delinquency rate 0.38%.
Return on assets 1.27%.
Efficiency ratio 60.17% vs a 69.45% peer average.
Loan-to-share ratio 98.29% vs a 90.24% 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	164,703 -3.1% YoY+1.2% QoQ	-51.8K	216,545 -9.5% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	18%
Assets	$4.0B +10.7% YoY+2.0% QoQ	+$141.8M	$3.9B -1.6% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	53%
Loans	$3.4B +13.8% YoY+3.9% QoQ	+$431.0M	$2.9B -1.2% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	73%
Deposits	$3.4B +10.0% YoY+1.5% QoQ	+$163.3M	$3.3B -2.6% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +3.9% YoY+5.9% QoQ	+0.3%	0.9% +25.3% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	79%
NIM	3.0% +2.0% YoY+0.7% QoQ	-0.3%	3.2% +3.8% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	27%
Efficiency Ratio	60.2% +0.6% YoY-4.0% QoQ	-9.3%	69.5% -2.3% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	16%
Delinquency Rate	0.4% -13.2% YoY+8.2% QoQ	-0.5	0.8% +5.5% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	Top 14.3% in tier
Loan To Share	98.3% +3.5% YoY+2.4% QoQ	+8.1%	90.2% +0.9% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	68%
AMR	$41,181 +15.4% YoY+1.5% QoQ	+$10K	$31,018 +6.9% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	Top 11.7% in tier
CD Concentration	42.1% +6.3% YoY-0.1% QoQ	+13.0%	29.1%	24.7%	20.0%	Top 9.1% in tier
Indirect Auto %	34.3% +3.9% YoY+0.1% QoQ	+16.2%	18.1%	10.8%	7.7%	83%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#6 of 69 • Top 4.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 15.41%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.2K, National: $2.1K)

but worse than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#17 of 125 • Top 4.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 15.41%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#7 of 193 • Bottom 15.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.72%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 34.29%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.09%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#42 of 168 • Bottom 21.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.29%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 13.83%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#36 of 86 • Bottom 90.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.09%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Stagnation Risk

risk

#74 of 86 • Bottom 90.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.09%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 13.83%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.38%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

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)

Compare against:

Comparing against 77 peers in tier

Top Strengths (10 metrics)

AMR Growth Rate

growth

Value: 15.41%

Peer Median: 3.17%

#3 of 77 Top 2.6% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,413

Peer Median: $13,282

#7 of 77 Top 7.8% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $41,181

Peer Median: $28,880

#9 of 77 Top 10.4% in 3B-5B tier

Loan Growth Rate

growth

Value: 13.83%

Peer Median: 6.20%

#11 of 77 Top 13.0% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: 0.63%

#12 of 77 Top 14.3% in 3B-5B tier

Efficiency Ratio

profitability

Value: 60.17%

Peer Median: 68.32%

#13 of 77 Top 15.6% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Median: 0.94%

#16 of 77 Top 19.5% in 3B-5B tier

Asset Growth Rate

growth

Value: 10.72%

Peer Median: 5.91%

#16 of 77 Top 19.5% in 3B-5B tier

Deposit Growth Rate

growth

Value: 9.95%

Peer Median: 5.62%

#16 of 77 Top 19.5% in 3B-5B tier

Net Worth Ratio

risk

Value: 12.25%

Peer Median: 10.81%

#18 of 77 Top 22.1% in 3B-5B tier

Top Weaknesses (4 metrics)

Member Growth Rate

growth

Value: -3.09%

Peer Median: 3.08%

#69 of 77 Bottom 11.7% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 42.12%

Peer Median: 32.00%

#66 of 77 Bottom 15.6% in 3B-5B tier

Total Members

engagement

Value: 164,703

Peer Median: 211,695

#63 of 77 Bottom 19.5% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 34.29%

Peer Median: 18.00%

#62 of 77 Bottom 20.8% in 3B-5B tier