BlastPoint's Credit Union Scorecard

MY PENSACOLA

Charter #8442 · FL

<100M

2508 CUs in <100M nationally 35 in FL

MY PENSACOLA demonstrates 5 strengths

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.36% above tier average
+ Fee Income Per Member: Top 3.5% in tier
+ Total Assets: Top 3.7% in tier
+ Total Deposits: Top 5.4% in tier
+ Member Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	4,758 +4.1% YoY+0.8% QoQ	+2.1K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Top 15.0% in tier
Assets	$90.0M +3.9% YoY+2.0% QoQ	+$59.8M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	Top 3.8% in tier
Loans	$32.5M +2.6% YoY-1.8% QoQ	+$17.2M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Top 14.7% in tier
Deposits	$73.6M +3.8% YoY+2.1% QoQ	+$47.8M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	Top 5.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +35.8% YoY+90.1% QoQ	+0.4%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	45%
NIM	3.1% +5.4% YoY+3.0% QoQ	-0.9%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	84.2% -3.0% YoY-7.3% QoQ	-6.4%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.4% +133.8% YoY+189.1% QoQ	-1.1	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	39%
Loan To Share	44.2% -1.2% YoY-3.9% QoQ	-14.3%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	28%
AMR	$22,304 -0.6% YoY+0.0% QoQ	+$7K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Top 14.4% in tier
CD Concentration	17.2% -22.3% YoY+7.6% QoQ	-7.0%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.1% -55.6% YoY-11.6% QoQ	-13.7%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $223.13

Peer Median: $60.42

#88 of 2508 Top 3.5% in <100M tier

Total Assets

balance_sheet

Value: $90.03M

Peer Median: $21.86M

#95 of 2508 Top 3.7% in <100M tier

136

Total Deposits

balance_sheet

Value: $73.60M

Peer Median: $18.77M

#136 of 2508 Top 5.4% in <100M tier

209

Member Growth Rate

growth

Value: 4.07%

Peer Median: -1.37%

#209 of 2508 Top 8.3% in <100M tier

361

Average Member Relationship (AMR)

engagement

Value: $22,304

Peer Median: $13,926

#361 of 2508 Top 14.4% in <100M tier

368

Total Loans

balance_sheet

Value: $32.53M

Peer Median: $9.48M

#368 of 2508 Top 14.6% in <100M tier

376

Total Members

engagement

Value: 4,758

Peer Median: 1,918

#376 of 2508 Top 15.0% in <100M tier

Top Weaknesses (3 metrics)

2128

Indirect Auto Concentration (%)

balance_sheet

Value: 0.06%

Peer Median: 0.00%

#2128 of 2508 Bottom 15.2% in <100M tier

2038

Members Per Employee (MPE)

engagement

Value: 216.273

Peer Median: 333.750

#2038 of 2508 Bottom 18.8% in <100M tier

2001

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: 3.83%

#2001 of 2508 Bottom 20.3% in <100M tier