BlastPoint's Credit Union Scorecard
TROPICAL FINANCIAL
Charter #68476 · FL
TROPICAL FINANCIAL has 5 strengths but faces 11 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 56.8% in tier
- + Net Interest Margin 0.51% above tier average
- + Total Deposits: Top 2.6% in tier
- + Total Loans: Top 2.6% in tier
- + Total Assets: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.0% in tier
- - Membership Headwinds: Bottom 18.3% in tier
- - Stagnation Risk: Bottom 29.3% in tier
- - Credit Quality Pressure: Bottom 48.9% in tier
- - Credit Risk Growth: Bottom 76.0% in tier
- - Liquidity Strain: Bottom 82.4% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 4.44% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Member decline: -5.8% YoY
- - Deposit Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
63,033
-5.8% YoY-0.3% QoQ
|
+10.9K |
52,084
-1.6% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$984.1M
+0.0% YoY-0.8% QoQ
|
+$120.2M |
$863.9M
+0.5% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 4.3% in tier |
| Loans |
$808.2M
+2.7% YoY-1.1% QoQ
|
+$202.4M |
$605.8M
+1.4% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 3.4% in tier |
| Deposits |
$875.4M
-0.4% YoY-0.3% QoQ
|
+$138.1M |
$737.3M
+0.1% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 3.4% in tier |
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| ROA |
0.6%
-313.5% YoY+14.6% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.9%
+1.7% YoY+1.9% QoQ
|
+0.5% |
3.4%
+8.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
78.8%
+2.0% YoY-1.9% QoQ
|
+4.4% |
74.3%
-3.6% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.0%
+28.7% YoY+98.6% QoQ
|
+0.1 |
0.9%
+3.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
92.3%
+3.2% YoY-0.8% QoQ
|
+9.8% |
82.6%
+1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$26,709
+7.3% YoY-0.4% QoQ
|
$-2K |
$28,873
+2.7% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
29.5%
+1.2% YoY+4.6% QoQ
|
+5.0% | 24.4% | 24.1% | 19.8% | 69% |
| Indirect Auto % |
5.3%
-30.5% YoY-8.8% QoQ
|
-8.5% | 13.8% | 10.8% | 7.8% | 45% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)