BlastPoint's Credit Union Scorecard
MEMORIAL EMPLOYEES FINANCIAL
Charter #68738 · FL
MEMORIAL EMPLOYEES FINANCIAL has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.3% in tier
- + Total Members: Top 2.2% in tier
- + Total Assets: Top 2.8% in tier
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Efficiency ratio 0.62% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -0.1% year over year ($83.6M in shares and deposits).
- Membership: 8,783 members, -1.9% vs a year ago.
- Delinquency rate 0.18%.
- Return on assets 0.33%.
- Efficiency ratio 89.38% vs a 88.77% peer average.
- Loan-to-share ratio 49.88% vs a 58.89% 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 |
8,783
-1.9% YoY-0.6% QoQ
|
+6.2K |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Top 2.3% in tier |
| Assets |
$92.5M
+0.8% YoY-0.3% QoQ
|
+$62.2M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Top 2.9% in tier |
| Loans |
$41.7M
-5.6% YoY-2.4% QoQ
|
+$26.2M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 9.2% in tier |
| Deposits |
$83.6M
-0.1% YoY-0.3% QoQ
|
+$57.8M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Top 1.4% in tier |
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| ROA |
0.3%
+86.9% YoY+11.5% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
3.3%
+5.6% YoY+2.6% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
89.4%
-1.7% YoY-2.0% QoQ
|
+0.6% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.2%
-41.5% YoY-21.1% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
49.9%
-5.5% YoY-2.1% QoQ
|
-9.0% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$14,260
-0.1% YoY-0.3% QoQ
|
$-703 |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
21.7%
+9.6% YoY+5.8% QoQ
|
-2.9% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)