BlastPoint's Credit Union Scorecard
MIDFLORIDA
Charter #68600 · FL
MIDFLORIDA has 4 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 49.1% in tier
- + Wallet Share Momentum: Top 79.0% in tier
- + ROA 0.42% above tier average
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 17.7% in tier
- - Liquidity Strain: Bottom 53.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
488,867
+2.5% YoY+0.3% QoQ
|
+42.9K |
445,922
+0.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$8.8B
+8.0% YoY+0.3% QoQ
|
$-141.3M |
$8.9B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$7.0B
+8.9% YoY+1.2% QoQ
|
+$738.4M |
$6.3B
+0.8% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$7.5B
+7.6% YoY-0.2% QoQ
|
$-47.7M |
$7.5B
+1.2% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
1.4%
+2.5% YoY-1.2% QoQ
|
+0.4% |
1.0%
+27.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.2%
+6.8% YoY+0.9% QoQ
|
+0.2% |
3.0%
+12.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
59.6%
+0.0% YoY+0.7% QoQ
|
-5.2% |
64.8%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.4%
-4.0% YoY+13.4% QoQ
|
-0.3 |
0.7%
+5.5% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
93.6%
+1.2% YoY+1.4% QoQ
|
+10.2% |
83.4%
-0.6% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$29,594
+5.6% YoY+0.2% QoQ
|
$-5K |
$34,266
-1.7% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
21.4%
-6.3% YoY-5.0% QoQ
|
-7.8% | 29.1% | 24.1% | 19.8% | 18% |
| Indirect Auto % |
33.8%
-5.9% YoY+0.2% QoQ
|
+16.7% | 17.1% | 10.8% | 7.8% | Top 13.4% in tier |
Signature Analysis
Strengths (2)
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.
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)