BlastPoint's Credit Union Scorecard
MIAMI
Charter #9287 · FL
MIAMI has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.8% in tier
- + Average Member Relationship (AMR): Top 5.7% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 1.34% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,607
+0.7% YoY+0.4% QoQ
|
-18 |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$46.5M
+6.9% YoY+1.1% QoQ
|
+$16.6M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$33.0M
+9.5% YoY+1.0% QoQ
|
+$17.2M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$38.6M
+9.6% YoY+2.8% QoQ
|
+$13.1M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
0.7%
-1203.3% YoY+12.1% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
3.0%
+13.4% YoY-2.3% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
82.7%
-17.0% YoY-2.5% QoQ
|
+1.3% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.4%
-23.1% YoY-25.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
85.5%
-0.1% YoY-1.7% QoQ
|
+24.2% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$27,456
+8.8% YoY+1.6% QoQ
|
+$13K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 5.7% in tier |
| CD Concentration |
16.0%
+4.4% YoY-4.1% QoQ
|
-8.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)