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
- + ROA 0.15% above tier average
- + Total Deposits: Top 1.0% in tier
- + Total Members: Top 2.3% in tier
- + Total Assets: Top 2.8% in tier
- + Total Loans: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.54% above tier (higher cost structure)
- - Member decline: -2.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,840
-2.1% YoY-0.7% QoQ
|
+6.2K |
2,676
+1.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
Top 2.3% in tier |
| Assets |
$92.8M
+0.4% YoY-0.1% QoQ
|
+$62.6M |
$30.2M
+1.3% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Top 2.9% in tier |
| Loans |
$42.7M
-4.6% YoY-2.8% QoQ
|
+$27.4M |
$15.3M
-2.0% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 8.0% in tier |
| Deposits |
$83.8M
-1.1% YoY-0.2% QoQ
|
+$58.0M |
$25.8M
+0.7% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
Top 1.0% in tier |
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| ROA |
0.3%
+3.8% YoY+9.3% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
3.2%
+2.9% YoY-0.9% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
91.2%
+1.1% YoY+4.8% QoQ
|
+0.5% |
90.6%
+6.5% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
0.2%
-68.1% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
50.9%
-3.5% YoY-2.6% QoQ
|
-7.6% |
58.5%
-3.0% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$14,310
-0.2% YoY-0.4% QoQ
|
$-574 |
$14,884
-1.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
20.5%
+6.1% YoY+3.5% QoQ
|
-3.8% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)