BlastPoint's Credit Union Scorecard
MEMORIAL EMPLOYEES FINANCIAL
Charter #68738 · FL
MEMORIAL EMPLOYEES FINANCIAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 1.4% in tier
- + Total Members: Top 2.5% in tier
- + Total Assets: Top 2.6% in tier
- + Total Loans: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 4.45% 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 |
8,900
-1.8% YoY-0.4% QoQ
|
+6.3K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 2.5% in tier |
| Assets |
$92.8M
+4.3% YoY+1.2% QoQ
|
+$62.7M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 2.6% in tier |
| Loans |
$43.9M
-4.6% YoY-3.0% QoQ
|
+$28.1M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 8.1% in tier |
| Deposits |
$84.0M
+2.7% YoY+1.0% QoQ
|
+$58.3M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 1.4% in tier |
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| ROA |
0.3%
+12.1% YoY+34.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.3%
+8.8% YoY+0.6% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
87.0%
-5.1% YoY-1.2% QoQ
|
+4.5% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.7%
+204.9% YoY+81.4% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
52.3%
-7.1% YoY-4.0% QoQ
|
-8.3% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$14,367
+1.9% YoY-0.1% QoQ
|
$-416 |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
19.8%
+7.9% YoY+4.9% QoQ
|
-4.7% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)