BlastPoint's Credit Union Scorecard
ADDITION FINANCIAL
Charter #68702 · FL
ADDITION FINANCIAL has 7 strengths but faces 9 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
- + Organic Growth Leader: Top 0.0% in tier
- + Organic Growth Engine: Top 35.8% in tier
- + 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
- - Credit Risk Growth: Bottom 2.5% in tier
- - Credit Quality Pressure: Bottom 18.1% in tier
- - Shrinking Wallet Share: Bottom 29.5% in tier
- - Indirect Auto Dependency: Bottom 58.0% 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
- - Net Charge-Off Rate: Bottom 9.2% 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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)