BlastPoint's Credit Union Scorecard
GULF WINDS
Charter #68694 · FL
GULF WINDS has 2 strengths but faces 3 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
- + ROA 0.22% above tier average
- + Net Interest Margin 0.41% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.7% in tier
- - Indirect Auto Dependency: Bottom 62.0% in tier
- - Credit Risk Growth: Bottom 76.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,515
-0.0% YoY+0.7% QoQ
|
-23.9K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$1.3B
+5.4% YoY+1.4% QoQ
|
$-470.9M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$876.7M
+2.7% YoY+1.7% QoQ
|
$-357.7M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$1.1B
+5.2% YoY+4.4% QoQ
|
$-341.5M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.9%
+38.6% YoY-19.2% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.7%
+17.0% YoY-1.1% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
67.5%
-7.4% YoY+4.0% QoQ
|
-6.5% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.8%
+24.2% YoY+32.6% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
78.4%
-2.4% YoY-2.6% QoQ
|
-6.4% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$27,131
+4.1% YoY+2.4% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
31.9%
+1.1% YoY+7.9% QoQ
|
+2.8% | 29.0% | 24.1% | 19.8% | 65% |
| Indirect Auto % |
21.2%
+14.3% YoY+4.0% QoQ
|
+2.8% | 18.3% | 10.8% | 7.8% | 61% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
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)