BlastPoint's Credit Union Scorecard
ADDITION FINANCIAL
Charter #68702 · FL
ADDITION FINANCIAL has 7 strengths but faces 8 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
- + Net Interest Margin 0.19% above tier average
- + Strong member growth: 35.4% 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 3.8% in tier
- + Share Certificate Concentration (%): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.4% in tier
- - Credit Risk Growth: Bottom 3.2% in tier
- - Credit Quality Pressure: Bottom 8.4% in tier
- - Efficiency Drag: Bottom 20.4% in tier
- - Shrinking Wallet Share: Bottom 92.6% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 10.44% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
257,388
+35.4% YoY-0.0% QoQ
|
+37.0K |
220,435
-7.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$3.8B
+34.4% YoY+0.2% QoQ
|
$-108.1M |
$3.9B
-1.5% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$2.1B
+26.8% YoY-2.1% QoQ
|
$-755.3M |
$2.9B
-1.1% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.0% in tier |
| Deposits |
$3.4B
+32.5% YoY-0.1% QoQ
|
+$90.5M |
$3.3B
-2.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
0.5%
-70.1% YoY+9.2% QoQ
|
-0.3% |
0.7%
+10.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
3.4%
+14.6% YoY+16.9% QoQ
|
+0.2% |
3.2%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
81.7%
+29.9% YoY+12.4% QoQ
|
+10.4% |
71.3%
-2.6% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.1% in tier |
| Delinquency Rate |
1.1%
+54.6% YoY-5.4% QoQ
|
+0.4 |
0.7%
+9.2% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
63.1%
-4.3% YoY-2.0% QoQ
|
-24.9% |
88.0%
+0.9% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.1% in tier |
| AMR |
$21,470
-3.8% YoY-0.8% QoQ
|
$-9K |
$30,672
+5.5% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
18.5%
-14.6% YoY-13.0% QoQ
|
-10.4% | 28.8% | 24.4% | 19.8% | Bottom 10.7% in tier |
| Indirect Auto % |
18.4%
-17.1% YoY-3.7% QoQ
|
+0.4% | 18.1% | 10.8% | 7.7% | 57% |
Signature Analysis
Strengths (0)
Concerns (5)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)