BlastPoint's Credit Union Scorecard
ORLANDO
Charter #68706 · FL
ORLANDO has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
- + Total Members: Top 8.8% in tier
- + Total Loans: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 2.77% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,433
-0.0% YoY-0.2% QoQ
|
+12.3K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
Top 8.9% in tier |
| Assets |
$364.2M
+0.4% YoY+6.0% QoQ
|
+$132.5M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$266.7M
+7.3% YoY+1.2% QoQ
|
+$122.6M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 10.0% in tier |
| Deposits |
$321.1M
-0.2% YoY+6.9% QoQ
|
+$120.0M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
85% |
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| ROA |
0.3%
-8.0% YoY+6.3% QoQ
|
-0.4% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
3.7%
+5.9% YoY-4.4% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
55% |
| Efficiency Ratio |
80.8%
-5.9% YoY-0.5% QoQ
|
+2.8% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
0.8%
-40.6% YoY-11.1% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
83.1%
+7.5% YoY-5.4% QoQ
|
+12.6% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$21,429
+3.1% YoY+4.4% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
27.3%
+10.5% YoY+15.2% QoQ
|
+3.0% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-13.8% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
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)