BlastPoint's Credit Union Scorecard
MIAMI
Charter #9287 · FL
MIAMI has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Average Member Relationship (AMR): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - First Mortgage Concentration (%): Bottom 7.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +1.7% year over year ($38.2M in shares and deposits).
- Membership: 2,611 members, +0.5% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.35%.
- Efficiency ratio 84.01% vs a 88.77% peer average.
- Loan-to-share ratio 85.16% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,611
+0.5% YoY-0.3% QoQ
|
+25 |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$45.2M
-1.6% YoY+3.3% QoQ
|
+$14.9M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$32.5M
-0.4% YoY+1.1% QoQ
|
+$17.1M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 15.0% in tier |
| Deposits |
$38.2M
+1.7% YoY-0.3% QoQ
|
+$12.4M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.4%
-39.8% YoY+39.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
3.4%
+10.5% YoY+0.6% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
84.0%
-1.0% YoY-1.2% QoQ
|
-4.8% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
1.1%
+118.9% YoY+60.6% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
85.2%
-2.0% YoY+1.4% QoQ
|
+26.3% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Top 14.1% in tier |
| AMR |
$27,080
+0.2% YoY+0.7% QoQ
|
+$12K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Top 6.3% in tier |
| CD Concentration |
16.9%
+1.6% YoY-3.0% QoQ
|
-7.6% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)