BlastPoint's Credit Union Scorecard
TROPICAL FINANCIAL
Charter #68476 · FL
TROPICAL FINANCIAL has 5 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 41.9% in tier
- + Net Interest Margin 0.45% above tier average
- + Total Assets: Top 1.8% in tier
- + Total Loans: Top 1.8% in tier
- + Total Deposits: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 5.0% in tier
- - Stagnation Risk: Bottom 5.8% in tier
- - Liquidity Strain: Bottom 23.6% in tier
- - Efficiency Drag: Bottom 29.4% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 5.81% above tier (higher cost structure)
- - Member decline: -6.1% YoY
- - Member Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
63,200
-6.1% YoY-0.4% QoQ
|
+11.1K |
52,114
-2.1% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$992.2M
+0.8% YoY-2.5% QoQ
|
+$133.2M |
$859.0M
+0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 2.7% in tier |
| Loans |
$817.1M
+3.1% YoY+3.6% QoQ
|
+$213.8M |
$603.4M
+1.0% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 2.7% in tier |
| Deposits |
$877.8M
-0.1% YoY-3.1% QoQ
|
+$143.7M |
$734.2M
+0.9% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 3.6% in tier |
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| ROA |
0.5%
-188.4% YoY+11.8% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.8%
-0.7% YoY+3.0% QoQ
|
+0.4% |
3.4%
+9.6% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
80.3%
+0.9% YoY-0.7% QoQ
|
+5.8% |
74.5%
-3.2% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.5%
-37.6% YoY-0.8% QoQ
|
-0.3 |
0.8%
+5.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
93.1%
+3.2% YoY+6.9% QoQ
|
+10.4% |
82.7%
+0.1% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$26,819
+8.0% YoY+0.5% QoQ
|
$-2K |
$28,651
+2.5% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
28.2%
-1.4% YoY-5.3% QoQ
|
+3.8% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
65% |
| Indirect Auto % |
5.8%
-27.6% YoY-12.6% QoQ
|
-8.2% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
47% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)