BlastPoint's Credit Union Scorecard
MY PENSACOLA
Charter #8442 · FL
MY PENSACOLA has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 4.9% in tier
- + Total Deposits: Top 6.3% in tier
- + Fee Income Per Member: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 9.25% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,666
+1.8% YoY+1.1% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$86.9M
+5.0% YoY-0.9% QoQ
|
+$57.0M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 4.9% in tier |
| Loans |
$32.0M
-3.5% YoY+0.8% QoQ
|
+$16.2M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$71.2M
+5.4% YoY-1.3% QoQ
|
+$45.7M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 6.4% in tier |
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| ROA |
0.2%
-74.2% YoY-22.8% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.0%
-3.3% YoY+2.5% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
90.6%
+19.9% YoY-0.6% QoQ
|
+9.2% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.4%
+190.9% YoY+246.5% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
44.9%
-8.4% YoY+2.2% QoQ
|
-16.3% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$22,115
+0.7% YoY-1.8% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 13.8% in tier |
| CD Concentration |
18.3%
-20.7% YoY-14.7% QoQ
|
-6.1% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-45.6% YoY-15.6% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
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)