BlastPoint's Credit Union Scorecard
GULF WINDS
Charter #68694 · FL
GULF WINDS has 5 strengths but faces 7 concerns
How does the industry compare?
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How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 5.2% in tier
- + Profitability Leader: Top 70.2% in tier
- + ROA 0.42% above tier average
- + Net Interest Margin 0.46% above tier average
- + AMR Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.4% in tier
- - Membership Headwinds: Bottom 0.8% in tier
- - Indirect Auto Dependency: Bottom 21.8% in tier
- - Credit Quality Pressure: Bottom 22.1% in tier
- - Credit Risk Growth: Bottom 26.4% in tier
- - Member decline: -13.0% YoY
- - Member Growth Rate: Bottom 2.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,992
-13.0% YoY+0.3% QoQ
|
-25.7K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$1.2B
+2.7% YoY+2.0% QoQ
|
$-484.0M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$862.3M
+3.1% YoY-0.2% QoQ
|
$-370.8M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$1.1B
+0.9% YoY-0.9% QoQ
|
$-383.3M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
1.1%
+86.7% YoY+2.9% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
3.7%
+21.7% YoY+1.1% QoQ
|
+0.5% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
64.9%
-13.7% YoY-0.8% QoQ
|
-9.1% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.6%
+8.5% YoY-10.3% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
80.5%
+2.2% YoY+0.7% QoQ
|
-4.7% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$26,486
+17.1% YoY-0.9% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
29.5%
-9.6% YoY+1.3% QoQ
|
+0.6% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
55% |
| Indirect Auto % |
20.4%
+4.6% YoY+2.8% QoQ
|
+1.6% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
58% |
Signature Analysis
Strengths (2)
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.
Concerns (5)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)