BlastPoint's Credit Union Scorecard
CAMPUS USA
Charter #68391 · FL
CAMPUS USA has 5 strengths but faces 5 concerns
How does the industry compare?
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How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 4.7% in tier
- + Wallet Share Momentum: Top 4.7% in tier
- + ROA 0.47% above tier average
- + AMR Growth Rate: Top 5.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.7% in tier
- - Liquidity Strain: Bottom 19.1% in tier
- - Membership Headwinds: Bottom 89.5% in tier
- - Stagnation Risk: Bottom 89.5% in tier
- - Member decline: -3.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
162,812
-3.1% YoY+1.6% QoQ
|
-57.6K |
220,435
-7.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$4.0B
+12.7% YoY+2.9% QoQ
|
+$50.5M |
$3.9B
-1.5% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$3.2B
+11.4% YoY+2.8% QoQ
|
+$343.9M |
$2.9B
-1.1% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$3.4B
+12.0% YoY+3.4% QoQ
|
+$72.8M |
$3.3B
-2.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
1.2%
-5.4% YoY-2.4% QoQ
|
+0.5% |
0.7%
+10.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
2.9%
+1.1% YoY+1.3% QoQ
|
-0.3% |
3.2%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
62.7%
+4.3% YoY+8.2% QoQ
|
-8.6% |
71.3%
-2.6% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.3%
-13.5% YoY-18.5% QoQ
|
-0.4 |
0.7%
+9.2% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
96.0%
-0.5% YoY-0.6% QoQ
|
+8.1% |
88.0%
+0.9% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$40,585
+15.3% YoY+1.5% QoQ
|
+$10K |
$30,672
+5.5% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Top 12.8% in tier |
| CD Concentration |
42.2%
+8.6% YoY+4.1% QoQ
|
+13.3% | 28.8% | 24.4% | 19.8% | Top 8.9% in tier |
| Indirect Auto % |
34.3%
+4.9% YoY+2.6% QoQ
|
+16.2% | 18.1% | 10.8% | 7.7% | 83% |
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)