BlastPoint's Credit Union Scorecard
ADDITION FINANCIAL
Charter #68702 · FL
ADDITION FINANCIAL has 5 strengths but faces 8 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
- + Strong member growth: 37.0% YoY
- + Member Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + Deposit Growth Rate: Top 2.6% in tier
- + Loan Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.6% in tier
- - Credit Risk Growth: Bottom 5.6% in tier
- - Credit Quality Pressure: Bottom 10.5% in tier
- - Shrinking Wallet Share: Bottom 93.8% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 1.28% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Loan-to-Share Ratio: Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
257,389
+37.0% YoY+32.9% QoQ
|
+27.0K |
230,353
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$3.8B
+39.2% YoY+27.7% QoQ
|
$-140.4M |
$3.9B
+0.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$2.2B
+17.9% YoY+32.0% QoQ
|
$-752.4M |
$2.9B
-0.2% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.2% in tier |
| Deposits |
$3.4B
+40.0% YoY+27.0% QoQ
|
+$79.7M |
$3.3B
-0.3% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.4%
-32.6% YoY-45.9% QoQ
|
-0.3% |
0.7%
+16.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
2.9%
-12.0% YoY-0.9% QoQ
|
-0.2% |
3.1%
+9.8% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
72.7%
+1.5% YoY+6.0% QoQ
|
+1.3% |
71.4%
-1.4% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.2%
+41.0% YoY+57.6% QoQ
|
+0.3 |
0.9%
+5.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
64.4%
-15.8% YoY+3.9% QoQ
|
-24.5% |
88.9%
-0.2% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.9% in tier |
| AMR |
$21,653
-4.8% YoY-3.0% QoQ
|
$-8K |
$29,682
+1.5% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.2% in tier |
| CD Concentration |
21.2%
-10.1% YoY-6.1% QoQ
|
-7.8% | 29.0% | 24.1% | 19.8% | 17% |
| Indirect Auto % |
19.1%
-31.6% YoY-15.1% QoQ
|
+0.8% | 18.3% | 10.8% | 7.8% | 56% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
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)