BlastPoint's Credit Union Scorecard
RADIANT
Charter #68723 · FL
RADIANT has 8 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 1.9% in tier
- + Organic Growth Engine: Top 1.9% in tier
- + Emerging Performer: Top 69.9% in tier
- + Net Interest Margin 0.26% above tier average
- + Strong member growth: 22.3% YoY
- + Member Growth Rate: Top 1.0% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + Deposit Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 94.4% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 5.21% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 6.0% in tier
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 +25.4% year over year ($969M in shares and deposits).
- Membership: 60,489 members, +22.3% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 0.59%.
- Efficiency ratio 78.23% vs a 73.02% peer average.
- Loan-to-share ratio 75.29% 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 |
60,489
+22.3% YoY-1.7% QoQ
|
-36.4K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$1.1B
+25.2% YoY+2.4% QoQ
|
$-602.9M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.7% in tier |
| Loans |
$729.8M
+7.8% YoY-1.0% QoQ
|
$-504.4M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.0% in tier |
| Deposits |
$969.4M
+25.4% YoY+2.6% QoQ
|
$-494.0M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
15% |
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| ROA |
0.6%
-7.0% YoY+13.2% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
3.7%
+2.7% YoY-0.0% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
78.2%
+1.3% YoY-2.4% QoQ
|
+5.2% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
0.5%
-6.9% YoY+4.7% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
75.3%
-14.1% YoY-3.4% QoQ
|
-9.4% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$28,091
-4.2% YoY+2.7% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
36.1%
-3.2% YoY+3.8% QoQ
|
+7.0% | 29.1% | 24.7% | 20.0% | 79% |
| Indirect Auto % |
4.8%
-2.5% YoY-7.8% QoQ
|
-13.3% | 18.1% | 10.8% | 7.7% | 23% |
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 (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)