BlastPoint's Credit Union Scorecard

ORLANDO

Charter #68706 · FL

1069 CUs in 100M-500M nationally 35 in FL

ORLANDO has 2 strengths but faces 9 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

+ Net Interest Margin 0.26% above tier average
+ Total Members: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 2.9% in tier
- Shrinking Wallet Share: Bottom 49.8% in tier
- Efficiency Drag: Bottom 59.8% in tier
- Capital Constraint: Bottom 63.6% in tier
- ROA 0.49% below tier average
- Efficiency ratio 4.17% above tier (higher cost structure)
- Asset Growth Rate: Bottom 0.6% in tier
- Deposit Growth Rate: Bottom 1.8% in tier
- AMR Growth Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	27,482 +0.4% YoY+0.5% QoQ	+12.0K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	Top 9.5% in tier
Assets	$343.5M -11.0% YoY-3.6% QoQ	+$111.6M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	81%
Loans	$263.7M +3.7% YoY+2.9% QoQ	+$116.3M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	Top 11.1% in tier
Deposits	$300.4M -7.0% YoY-1.3% QoQ	+$99.6M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% 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	0.3% -46.4% YoY+108.4% QoQ	-0.5%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	16%
NIM	3.9% +11.9% YoY+3.6% QoQ	+0.3%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	66%
Efficiency Ratio	81.2% +0.1% YoY-2.7% QoQ	+4.2%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	64%
Delinquency Rate	0.9% -8.7% YoY-14.2% QoQ	-0.0	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	62%
Loan To Share	87.8% +11.5% YoY+4.3% QoQ	+15.6%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	81%
AMR	$20,524 -2.6% YoY+0.1% QoQ	$-4K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	37%
CD Concentration	23.7% -9.6% YoY+10.9% QoQ	-0.7%	24.4%	24.1%	19.8%	50%
Indirect Auto %	7.2% +269.6% YoY+40.7% QoQ	-6.6%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Deposit Outflow

decline

#3 of 69 • Bottom 2.9% 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): -7.00%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.38%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline

#104 of 208 • Bottom 49.8% in tier

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

Why This Signature

AMR Growth (YoY): -2.65%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Efficiency Drag

risk

#322 of 538 • Bottom 59.8% in tier

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

Why This Signature

Efficiency Ratio: 81.19%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.38%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Capital Constraint

risk

#15 of 23 • Bottom 63.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 87.79%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -7.00%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 9.56%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | 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 1069 peers in tier

Top Strengths (6 metrics)

102

Total Members

engagement

Value: 27,482

Peer Median: -

#102 of 1069 Top 9.4% in 100M-500M tier

119

Total Loans

balance_sheet

Value: $263.69M

Peer Median: -

#119 of 1069 Top 11.0% in 100M-500M tier

164

Members Per Employee (MPE)

engagement

Value: 422.800

Peer Median: -

#164 of 1069 Top 15.2% in 100M-500M tier

198

Total Deposits

balance_sheet

Value: $300.36M

Peer Median: -

#198 of 1069 Top 18.4% in 100M-500M tier

203

Total Assets

balance_sheet

Value: $343.47M

Peer Median: -

#203 of 1069 Top 18.9% in 100M-500M tier

207

Loan-to-Share Ratio

balance_sheet

Value: 87.79%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1064

Asset Growth Rate

growth

Value: -10.96%

Peer Median: -

#1064 of 1069 Bottom 0.6% in 100M-500M tier

1051

Deposit Growth Rate

growth

Value: -7.00%

Peer Median: -

#1051 of 1069 Bottom 1.8% in 100M-500M tier

984

AMR Growth Rate

growth

Value: -2.65%

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

901

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

844

Net Worth Ratio

risk

Value: 9.56%

Peer Median: -

#844 of 1069 Bottom 21.1% in 100M-500M tier

838

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: -

#838 of 1069 Bottom 21.7% in 100M-500M tier