BlastPoint's Credit Union Scorecard

ORLANDO

Charter #68706 · FL

1077 CUs in 100M-500M nationally 35 in FL

ORLANDO has 4 strengths but faces 10 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 32.0% in tier
+ Organic Growth Engine: Top 32.5% in tier
+ Net Interest Margin 0.15% above tier average
+ Total Members: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 11.5% in tier
- Efficiency Drag: Bottom 18.2% in tier
- Credit Quality Pressure: Bottom 28.6% in tier
- Deposit Outflow: Bottom 28.8% in tier
- ROA 0.66% below tier average
- Efficiency ratio 6.18% above tier (higher cost structure)
- Delinquency rate 0.17% above tier average
- Asset Growth Rate: Bottom 3.1% in tier
- Deposit Growth Rate: Bottom 6.1% in tier
- AMR Growth Rate: Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	27,355 +0.6% YoY+0.3% QoQ	+11.7K	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	Top 10.0% in tier
Assets	$356.5M -5.4% YoY-0.8% QoQ	+$125.2M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	83%
Loans	$256.2M -1.7% YoY+3.0% QoQ	+$108.4M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	Top 13.0% in tier
Deposits	$304.4M -3.1% YoY-4.1% QoQ	+$104.2M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -77.3% YoY-53.5% QoQ	-0.7%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	Bottom 11.0% in tier
NIM	3.7% +4.6% YoY+1.9% QoQ	+0.2%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	58%
Efficiency Ratio	83.5% +3.4% YoY-1.9% QoQ	+6.2%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	72%
Delinquency Rate	1.0% +1.0% YoY-16.4% QoQ	+0.2	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	71%
Loan To Share	84.2% +1.4% YoY+7.4% QoQ	+11.5%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	72%
AMR	$20,496 -3.0% YoY-1.3% QoQ	$-4K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	39%
CD Concentration	21.4% -12.6% YoY-13.1% QoQ	-3.0%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	5.1% +129.6% YoY+93.9% QoQ	-8.9%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#423 of 430 • Top 32.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.57%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 5.10%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#596 of 603 • Top 32.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.57%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.13%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 5.10%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Shrinking Wallet Share

decline

#115 of 244 • Bottom 11.5% in tier

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

Why This Signature

AMR Growth (YoY): -3.04%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Efficiency Drag

risk

#321 of 521 • Bottom 18.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.46%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.44% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#709 of 736 • Bottom 28.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Deposit Outflow

decline

#24 of 81 • Bottom 28.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.13%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (5 metrics)

108

Total Members

engagement

Value: 27,355

Peer Avg: -

#108 of 1077 Top 9.9% in 100M-500M tier

140

Total Loans

balance_sheet

Value: $256.21M

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

184

Total Assets

balance_sheet

Value: $356.48M

Peer Avg: -

#184 of 1077 Top 17.0% in 100M-500M tier

190

Total Deposits

balance_sheet

Value: $304.44M

Peer Avg: -

#190 of 1077 Top 17.5% in 100M-500M tier

223

Members Per Employee (MPE)

engagement

Value: 396.449

Peer Avg: -

#223 of 1077 Top 20.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1045

Asset Growth Rate

growth

Value: -5.41%

Peer Avg: -

#1045 of 1077 Bottom 3.1% in 100M-500M tier

1012

Deposit Growth Rate

growth

Value: -3.13%

Peer Avg: -

#1012 of 1077 Bottom 6.1% in 100M-500M tier

990

AMR Growth Rate

growth

Value: -3.04%

Peer Avg: -

#990 of 1077 Bottom 8.2% in 100M-500M tier

959

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Avg: -

#959 of 1077 Bottom 11.0% in 100M-500M tier

916

Net Worth Ratio

risk

Value: 9.15%

Peer Avg: -

#916 of 1077 Bottom 15.0% in 100M-500M tier

863

Net Charge-Off Rate

risk

Value: 0.70%

Peer Avg: -

#863 of 1077 Bottom 20.0% in 100M-500M tier