BlastPoint's Credit Union Scorecard
LAUNCH CREDIT UNION
Charter #68716 · FL
LAUNCH CREDIT UNION has 1 strength but faces 4 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
- + Net Interest Margin 0.49% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.9% in tier
- - Liquidity Strain: Bottom 31.6% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 11.61% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
85,017
0% YoY-1.8% QoQ
|
-11.0K |
96,048
-2.7% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$1.5B
+1.0% YoY+1.4% QoQ
|
$-260.1M |
$1.7B
+0.4% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$1.1B
+5.3% YoY-0.1% QoQ
|
$-97.5M |
$1.2B
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$1.2B
+2.8% YoY+1.8% QoQ
|
$-252.0M |
$1.5B
+0.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
0.2%
+5.4% YoY-59.9% QoQ
|
-0.5% |
0.7%
+27.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.8% in tier |
| NIM |
3.8%
+11.5% YoY-5.0% QoQ
|
+0.5% |
3.4%
+6.2% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
86.2%
-1.0% YoY+7.7% QoQ
|
+11.6% |
74.6%
-3.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
0.2%
-1.1% YoY-21.7% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
Top 10.8% in tier |
| Loan To Share |
92.0%
+2.5% YoY-1.8% QoQ
|
+8.8% |
83.2%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$27,404
+3.9% YoY+2.8% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
25.1%
-3.1% YoY-2.4% QoQ
|
-3.7% | 28.8% | 24.4% | 19.8% | 34% |
| Indirect Auto % |
11.7%
+1.2% YoY+7.2% QoQ
|
-6.4% | 18.1% | 10.8% | 7.7% | 42% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)