BlastPoint's Credit Union Scorecard
MIDFLORIDA
Charter #68600 · FL
MIDFLORIDA has 8 strengths but faces 4 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
- + Wallet Share Momentum: Top 9.4% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.10% above tier average
- + Deposit Growth Rate: Top 3.6% in tier
- + Total Deposits: Top 3.6% in tier
- + Total Loans: Top 3.6% in tier
- + Asset Growth Rate: Top 7.1% in tier
- + AMR Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.4% in tier
- - Credit Risk Growth: Bottom 9.4% in tier
- - Credit Quality Pressure: Bottom 34.4% in tier
- - Liquidity Strain: Bottom 37.9% in tier
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 28 credit unions with $7B-$10B in assets nationally, and 1 of 2 that size in Florida.
- Shares and deposits +16.6% year over year ($8.63B in shares and deposits).
- Membership: 499,969 members, +3.1% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 1.27%.
- Efficiency ratio 62.65% vs a 66.07% peer average.
- Loan-to-share ratio 90.94% vs a 81.29% 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 |
499,969
+3.1% YoY+1.2% QoQ
|
+61.1K |
438,885
-1.1% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$9.8B
+13.1% YoY-0.3% QoQ
|
+$871.4M |
$8.9B
+0.0% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Top 10.7% in tier |
| Loans |
$7.8B
+14.0% YoY+0.2% QoQ
|
+$1.6B |
$6.2B
-0.6% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 7.1% in tier |
| Deposits |
$8.6B
+16.6% YoY-0.4% QoQ
|
+$974.7M |
$7.7B
+2.7% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Top 7.1% in tier |
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| ROA |
1.3%
-6.1% YoY+2.8% QoQ
|
+0.2% |
1.0%
+4.7% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
3.2%
+2.2% YoY+4.5% QoQ
|
+0.1% |
3.1%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
62.6%
+4.5% YoY+4.7% QoQ
|
-3.4% |
66.1%
+1.6% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.5%
+33.5% YoY+33.8% QoQ
|
-0.3 |
0.8%
+23.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
90.9%
-2.2% YoY+0.7% QoQ
|
+9.7% |
81.3%
-3.8% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$32,963
+11.9% YoY-1.3% QoQ
|
$-4K |
$37,279
+8.1% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
18.2%
-16.1% YoY-2.5% QoQ
|
-10.1% | 28.3% | 24.7% | 20.0% | Bottom 12.1% in tier |
| Indirect Auto % |
29.5%
-14.7% YoY-3.2% QoQ
|
+12.6% | 16.8% | 10.8% | 7.7% | 83% |
Signature Analysis
Strengths (1)
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.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)