BlastPoint's Credit Union Scorecard
RADIANT
Charter #68723 · FL
RADIANT has 8 strengths but faces 6 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 2.4% in tier
- + Organic Growth Engine: Top 2.4% in tier
- + Emerging Performer: Top 66.1% in tier
- + Net Interest Margin 0.33% above tier average
- + Strong member growth: 24.9% YoY
- + Member Growth Rate: Top 1.6% in tier
- + First Mortgage Concentration (%): Top 2.3% in tier
- + Asset Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 25.6% in tier
- - Shrinking Wallet Share: Bottom 95.8% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 5.49% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 4.2% in tier
- - Total Assets: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,527
+24.9% YoY+0.4% QoQ
|
-34.5K |
96,048
-2.7% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$1.1B
+23.8% YoY+3.6% QoQ
|
$-624.5M |
$1.7B
+0.4% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.5% in tier |
| Loans |
$737.0M
+10.4% YoY+0.2% QoQ
|
$-476.7M |
$1.2B
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.5% in tier |
| Deposits |
$945.1M
+23.6% YoY+4.0% QoQ
|
$-520.4M |
$1.5B
+0.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.5% in tier |
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| ROA |
0.5%
-4.0% YoY-29.3% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
3.7%
+3.2% YoY+9.0% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
80.1%
+1.7% YoY+6.3% QoQ
|
+5.5% |
74.6%
-3.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.5%
-20.2% YoY-16.3% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
78.0%
-10.7% YoY-3.6% QoQ
|
-5.2% |
83.2%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$27,340
-6.0% YoY+1.9% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
34.7%
-5.0% YoY+1.9% QoQ
|
+5.9% | 28.8% | 24.4% | 19.8% | 76% |
| Indirect Auto % |
5.2%
+1.3% YoY-9.2% QoQ
|
-12.9% | 18.1% | 10.8% | 7.7% | 25% |
Signature Analysis
Strengths (3)
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.
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)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)