BlastPoint's Credit Union Scorecard

RADIANT

Charter #68723 · FL

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 16 in FL
View Mid-Market leaderboard →

RADIANT has 10 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 1.4% in tier
  • + Organic Growth Engine: Top 6.5% in tier
  • + Emerging Performer: Top 21.0% in tier
  • + ROA 0.06% above tier average
  • + Net Interest Margin 0.11% above tier average
  • + Strong member growth: 25.6% YoY
  • + Member Growth Rate: Top 1.3% in tier
  • + First Mortgage Concentration (%): Top 2.0% in tier
  • + Asset Growth Rate: Top 2.3% in tier
  • + Deposit Growth Rate: Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 20.5% in tier
  • - Efficiency ratio 1.34% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 5.3% in tier
  • - Total Assets: Bottom 5.3% in tier
  • - Total Deposits: Bottom 7.6% in tier
  • - Total Loans: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 61,290
+25.6% YoY+23.5% QoQ
 -36.1K 97,431
-2.4% YoY
 72,012
+7.1% YoY
 33,374
+5.7% YoY
 15%
Assets $1.1B
+23.6% YoY+18.1% QoQ
 $-665.9M $1.7B
+0.9% YoY
 $1.1B
+9.4% YoY
 $561.6M
+9.7% YoY
 Bottom 5.0% in tier
Loans $735.5M
+12.5% YoY+8.0% QoQ
 $-498.9M $1.2B
+0.5% YoY
 $808.5M
+10.5% YoY
 $397.0M
+8.8% YoY
 Bottom 8.9% in tier
Deposits $909.1M
+23.0% YoY+18.3% QoQ
 $-550.2M $1.5B
+0.9% YoY
 $948.9M
+9.7% YoY
 $477.3M
+9.7% YoY
 Bottom 7.3% in tier

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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 0.7%
+27.5% YoY+7.6% QoQ
 +0.1% 0.7%
+20.9% YoY
 0.6%
+16.0% YoY
 0.7%
+15.9% YoY
 59%
NIM 3.4%
-0.0% YoY-6.8% QoQ
 +0.1% 3.3%
+9.2% YoY
 3.6%
+4.0% YoY
 3.8%
+5.1% YoY
 56%
Efficiency Ratio 75.4%
-1.3% YoY-1.1% QoQ
 +1.3% 74.1%
-9.5% YoY
 77.7%
-2.7% YoY
 79.7%
-3.3% YoY
 54%
Delinquency Rate 0.5%
-9.4% YoY-14.9% QoQ
 -0.4 0.9%
+6.2% YoY
 0.7%
+7.1% YoY
 1.3%
-2.1% YoY
 30%
Loan To Share 80.9%
-8.5% YoY-8.7% QoQ
 -3.9% 84.8%
-0.8% YoY
 71.1%
+0.4% YoY
 67.4%
-1.7% YoY
 32%
AMR $26,833
-6.0% YoY-8.1% QoQ
 $-3K $29,428
+2.4% YoY
 $22,519
+3.6% YoY
 $19,687
+2.0% YoY
 44%
CD Concentration 34.1%
-9.3% YoY-10.1% QoQ
 +5.1% 29.0% 24.1% 19.8% 73%
Indirect Auto % 5.7%
+4.8% YoY+27.8% QoQ
 -12.6% 18.3% 10.8% 7.8% 26%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#3 of 142 • Top 1.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 25.61%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Indirect Auto %: 5.70%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth
#17 of 247 • Top 6.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 25.61%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.74%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 5.70%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth
#17 of 77 • Top 21.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.74%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Member Growth (YoY): 25.61%
(Tier: 3.43%, National: 4.32%)
better than tier avg
77 of 378 Mid-Market CUs have this signature | 282 nationally
→ No prior data (77 CUs now) | New qualifier

Concerns (1)

Shrinking Wallet Share

decline
#17 of 79 • Bottom 20.5% in tier

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

Why This Signature
AMR Growth (YoY): -5.97%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
79 of 378 Mid-Market CUs have this signature | 303 nationally
↓ Shrinking -33 CUs YoY | 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)

Comparing against 302 peers in tier

Top Strengths (5 metrics)

5
Member Growth Rate
growth
Value: 25.61%
Peer Median: -
#5 of 302 Top 1.3% in 1B-3B tier
7
First Mortgage Concentration (%)
balance_sheet
Value: 10.58%
Peer Median: -
#7 of 302 Top 2.0% in 1B-3B tier
8
Asset Growth Rate
growth
Value: 23.64%
Peer Median: -
#8 of 302 Top 2.3% in 1B-3B tier
10
Deposit Growth Rate
growth
Value: 23.04%
Peer Median: -
#10 of 302 Top 3.0% in 1B-3B tier
34
Loan Growth Rate
growth
Value: 12.54%
Peer Median: -
#34 of 302 Top 10.9% in 1B-3B tier

Top Weaknesses (6 metrics)

287
AMR Growth Rate
growth
Value: -5.97%
Peer Median: -
#287 of 302 Bottom 5.3% in 1B-3B tier
287
Total Assets
balance_sheet
Value: $1.06B
Peer Median: -
#287 of 302 Bottom 5.3% in 1B-3B tier
280
Total Deposits
balance_sheet
Value: $909.12M
Peer Median: -
#280 of 302 Bottom 7.6% in 1B-3B tier
275
Total Loans
balance_sheet
Value: $735.49M
Peer Median: -
#275 of 302 Bottom 9.3% in 1B-3B tier
267
Members Per Employee (MPE)
engagement
Value: 276.081
Peer Median: -
#267 of 302 Bottom 11.9% in 1B-3B tier
256
Total Members
engagement
Value: 61,290
Peer Median: -
#256 of 302 Bottom 15.6% in 1B-3B tier
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