BlastPoint's Credit Union Scorecard

ADDITION FINANCIAL

Charter #68702 · FL

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 7 in FL

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ADDITION FINANCIAL has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.29% above tier average
+ Strong member growth: 35.2% YoY
+ Member Growth Rate: Top 1.3% in tier
+ Asset Growth Rate: Top 2.6% in tier
+ Loan Growth Rate: Top 2.6% in tier
+ Deposit Growth Rate: Top 2.6% in tier
+ Share Certificate Concentration (%): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 1.9% in tier
- Cost Spiral: Bottom 2.2% in tier
- Credit Risk Growth: Bottom 2.7% in tier
- Credit Quality Pressure: Bottom 3.0% in tier
- Shrinking Wallet Share: Bottom 93.8% in tier
- ROA 0.24% below tier average
- Efficiency ratio 8.03% above tier (higher cost structure)
- Delinquency rate 0.56% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 7 that size in Florida.
Shares and deposits +30.9% year over year ($3.42B in shares and deposits).
Membership: 259,247 members, +35.2% vs a year ago.
Delinquency rate 1.40%.
Return on assets 0.70%.
Efficiency ratio 77.48% vs a 69.45% peer average.
Loan-to-share ratio 62.27% vs a 90.24% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	259,247 +35.2% YoY+0.7% QoQ	+42.7K	216,545 -9.5% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	77%
Assets	$3.8B +29.9% YoY-0.0% QoQ	$-95.5M	$3.9B -1.6% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	44%
Loans	$2.1B +27.7% YoY-0.4% QoQ	$-802.9M	$2.9B -1.2% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	Bottom 5.2% in tier
Deposits	$3.4B +30.9% YoY+0.9% QoQ	+$160.7M	$3.3B -2.6% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -26.0% YoY+47.8% QoQ	-0.2%	0.9% +25.3% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	27%
NIM	3.5% +19.0% YoY+3.9% QoQ	+0.3%	3.2% +3.8% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	68%
Efficiency Ratio	77.5% +15.2% YoY-5.2% QoQ	+8.0%	69.5% -2.3% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	82%
Delinquency Rate	1.4% +96.9% YoY+27.4% QoQ	+0.6	0.8% +5.5% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	Bottom 11.7% in tier
Loan To Share	62.3% -2.5% YoY-1.3% QoQ	-28.0%	90.2% +0.9% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	Bottom 5.2% in tier
AMR	$21,394 -4.1% YoY-0.4% QoQ	$-10K	$31,018 +6.9% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	Bottom 7.8% in tier
CD Concentration	18.9% -13.2% YoY+2.5% QoQ	-10.1%	29.1%	24.7%	20.0%	Bottom 11.5% in tier
Indirect Auto %	20.8% -7.4% YoY+12.6% QoQ	+2.7%	18.1%	10.8%	7.7%	63%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk

#1 of 170 • Bottom 2.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 27.67%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.69% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#11 of 215 • Bottom 3.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.69% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Cost Spiral

risk

#2 of 8 • Bottom 2.2% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 10.24% points

(Tier: -1.92% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 67.23%

(Tier: 74.29%, National: 86.72%)

but better than tier avg

8 of 377 Mid-Market CUs have this signature | 106 nationally

↓ Shrinking -12 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#24 of 69 • Bottom 93.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.13%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#93 of 193 • Bottom 1.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 29.92%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 20.75%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 35.24%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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)

Compare against:

Comparing against 77 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 35.24%

Peer Median: 3.08%

#2 of 77 Top 1.3% in 3B-5B tier

Asset Growth Rate

growth

Value: 29.92%

Peer Median: 5.91%

#3 of 77 Top 2.6% in 3B-5B tier

Loan Growth Rate

growth

Value: 27.67%

Peer Median: 6.20%

#3 of 77 Top 2.6% in 3B-5B tier

Deposit Growth Rate

growth

Value: 30.91%

Peer Median: 5.62%

#3 of 77 Top 2.6% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.94%

Peer Median: 32.00%

#7 of 77 Top 7.8% in 3B-5B tier

Fee Income Per Member

profitability

Value: $253.32

Peer Median: $211.54

#15 of 77 Top 18.2% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.92%

Peer Median: 32.92%

#18 of 77 Top 22.1% in 3B-5B tier

Total Members

engagement

Value: 259,247

Peer Median: 211,695

#18 of 77 Top 22.1% in 3B-5B tier

Top Weaknesses (8 metrics)

Total Loans

balance_sheet

Value: $2.13B

Peer Median: $2.91B

#73 of 77 Bottom 6.5% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 62.27%

Peer Median: 93.34%

#73 of 77 Bottom 6.5% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $8,209

Peer Median: $13,282

#73 of 77 Bottom 6.5% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $21,394

Peer Median: $28,880

#71 of 77 Bottom 9.1% in 3B-5B tier

AMR Growth Rate

growth

Value: -4.13%

Peer Median: 3.17%

#69 of 77 Bottom 11.7% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.40%

Peer Median: 0.63%

#69 of 77 Bottom 11.7% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 1.27%

Peer Median: 0.47%

#69 of 77 Bottom 11.7% in 3B-5B tier

Efficiency Ratio

profitability

Value: 77.48%

Peer Median: 68.32%

#64 of 77 Bottom 18.2% in 3B-5B tier