BlastPoint's Credit Union Scorecard
MIDFLORIDA
Charter #68600 · FL
MIDFLORIDA has 8 strengths but faces 4 concerns
How does the industry compare?
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 9.4% in tier
- + ROA 0.30% above tier average
- + Deposit Growth Rate: Top 3.4% in tier
- + Total Deposits: Top 3.4% in tier
- + Total Loans: Top 3.4% in tier
- + Asset Growth Rate: Top 6.9% in tier
- + Loan Growth Rate: Top 6.9% in tier
- + Total Assets: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7.8% in tier
- - Indirect Auto Dependency: Bottom 10.9% in tier
- - Credit Quality Pressure: Bottom 35.9% in tier
- - Liquidity Strain: Bottom 39.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
493,840
+2.3% YoY+1.0% QoQ
|
+57.0K |
436,889
-2.3% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$9.8B
+14.5% YoY+11.7% QoQ
|
+$907.3M |
$8.9B
-0.1% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Top 10.3% in tier |
| Loans |
$7.8B
+17.4% YoY+11.9% QoQ
|
+$1.7B |
$6.1B
-1.1% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 6.9% in tier |
| Deposits |
$8.7B
+17.8% YoY+16.0% QoQ
|
+$1.0B |
$7.7B
+1.8% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
Top 6.9% in tier |
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| ROA |
1.2%
-6.0% YoY-11.1% QoQ
|
+0.3% |
0.9%
+16.3% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.0%
-1.3% YoY-4.7% QoQ
|
+0.0% |
3.1%
+6.3% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
59.9%
-0.9% YoY+0.5% QoQ
|
-6.2% |
66.1%
-2.8% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.3%
+19.2% YoY-10.2% QoQ
|
-0.3 |
0.6%
+12.0% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
90.4%
-0.3% YoY-3.5% QoQ
|
+10.0% |
80.4%
-3.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$33,404
+14.9% YoY+12.9% QoQ
|
$-4K |
$37,056
+6.8% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
18.7%
-17.6% YoY-12.4% QoQ
|
-9.9% | 28.6% | 24.4% | 19.8% | Bottom 12.1% in tier |
| Indirect Auto % |
30.4%
-15.0% YoY-9.9% QoQ
|
+14.1% | 16.4% | 10.8% | 7.7% | 85% |
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)