BlastPoint's Credit Union Scorecard
MIDFLORIDA
Charter #68600 · FL
MIDFLORIDA has 9 strengths but faces 2 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
- + Organic Growth Engine: Top 13.5% in tier
- + Wallet Share Momentum: Top 58.8% in tier
- + Profitability Leader: Top 60.0% in tier
- + Credit Quality Leader: Top 93.3% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 0.16% above tier average
- + Deposit Growth Rate: Top 3.3% in tier
- + Asset Growth Rate: Top 6.7% in tier
- + AMR Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.0% in tier
- - Liquidity Strain: Bottom 24.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
487,218
+3.2% YoY+0.5% QoQ
|
+27.9K |
459,296
+3.8% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$8.8B
+9.0% YoY+1.3% QoQ
|
$-154.2M |
$8.9B
+1.2% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$6.9B
+9.8% YoY+0.3% QoQ
|
+$569.5M |
$6.3B
+2.9% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$7.5B
+9.2% YoY+1.1% QoQ
|
+$31.3M |
$7.5B
+2.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
1.4%
+2.3% YoY+4.0% QoQ
|
+0.4% |
1.0%
+22.1% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
3.2%
+6.1% YoY+1.7% QoQ
|
+0.2% |
3.0%
+11.5% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
59.2%
-1.2% YoY-1.3% QoQ
|
-4.6% |
63.7%
-2.2% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.3%
-12.6% YoY-2.0% QoQ
|
-0.3 |
0.7%
+10.8% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
92.3%
+0.6% YoY-0.7% QoQ
|
+6.9% |
85.4%
+0.7% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$29,547
+6.1% YoY+0.3% QoQ
|
$-4K |
$33,660
-2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
22.5%
-1.2% YoY+3.4% QoQ
|
-6.4% |
28.9%
-1.3% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
23% |
| Indirect Auto % |
33.7%
-7.8% YoY-2.4% QoQ
|
+17.1% |
16.6%
-10.3% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Top 10.9% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
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.
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)