BlastPoint's Credit Union Scorecard
LAUNCH CREDIT UNION
Charter #68716 · FL
LAUNCH CREDIT UNION has 4 strengths 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
- + Organic Growth Leader: Top 70.9% in tier
- + Organic Growth Engine: Top 80.5% in tier
- + Emerging Performer: Top 96.0% in tier
- + Net Interest Margin 0.78% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 78.2% in tier
- - Efficiency Drag: Bottom 89.9% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 5.98% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,606
+2.1% YoY+0.5% QoQ
|
-10.8K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$1.4B
+3.2% YoY+1.0% QoQ
|
$-283.8M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$1.1B
+3.5% YoY+3.1% QoQ
|
$-117.1M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$1.2B
+4.4% YoY+1.1% QoQ
|
$-266.8M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.5%
+57.1% YoY+19.9% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
4.1%
+12.5% YoY+2.6% QoQ
|
+0.8% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Top 9.6% in tier |
| Efficiency Ratio |
80.0%
-6.1% YoY-2.9% QoQ
|
+6.0% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.3%
-18.3% YoY-6.1% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.3% in tier |
| Loan To Share |
93.7%
-0.8% YoY+2.0% QoQ
|
+8.9% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$26,670
+1.8% YoY+1.6% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
25.7%
-0.2% YoY-3.6% QoQ
|
-3.3% | 29.0% | 24.1% | 19.8% | 37% |
| Indirect Auto % |
10.9%
-11.8% YoY+2.7% QoQ
|
-7.4% | 18.3% | 10.8% | 7.8% | 38% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)