BlastPoint's Credit Union Scorecard
LAUNCH CREDIT UNION
Charter #68716 · FL
LAUNCH CREDIT UNION has 3 strengths but faces 7 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 53.2% in tier
- + Organic Growth Engine: Top 53.2% in tier
- + Net Interest Margin 0.58% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.2% in tier
- - Efficiency Drag: Bottom 7.2% in tier
- - Liquidity Strain: Bottom 23.5% in tier
- - Credit Risk Growth: Bottom 41.4% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 12.63% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +1.2% year over year ($1.19B in shares and deposits).
- Membership: 87,188 members, +1.8% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 0.29%.
- Efficiency ratio 85.65% vs a 73.02% peer average.
- Loan-to-share ratio 96.69% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,188
+1.8% YoY+2.6% QoQ
|
-9.7K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$1.4B
+1.7% YoY-1.3% QoQ
|
$-283.7M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$1.1B
+7.3% YoY+3.0% QoQ
|
$-84.6M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$1.2B
+1.2% YoY-2.0% QoQ
|
$-274.3M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
0.3%
+36.5% YoY+33.3% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.0% in tier |
| NIM |
4.0%
+14.0% YoY+4.0% QoQ
|
+0.6% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
85.7%
-3.8% YoY-0.7% QoQ
|
+12.6% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate |
1.0%
+234.6% YoY+286.7% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
96.7%
+6.1% YoY+5.1% QoQ
|
+12.0% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$26,823
+2.3% YoY-2.1% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
25.6%
-0.9% YoY+1.9% QoQ
|
-3.5% | 29.1% | 24.7% | 20.0% | 35% |
| Indirect Auto % |
12.1%
+13.0% YoY+3.8% QoQ
|
-6.0% | 18.1% | 10.8% | 7.7% | 42% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)