BlastPoint's Credit Union Scorecard
MIAMI
Charter #9287 · FL
MIAMI has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 4.1% in tier
- + Deposit Growth Rate: Top 5.6% in tier
- + Average Member Relationship (AMR): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 8.00% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,632
+2.1% YoY+1.0% QoQ
|
+16 |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$46.0M
+8.4% YoY-1.0% QoQ
|
+$15.8M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$32.7M
+8.3% YoY-0.9% QoQ
|
+$16.9M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$38.6M
+12.8% YoY+0.0% QoQ
|
+$12.9M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.3%
-278.8% YoY-49.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
3.1%
+7.5% YoY+1.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
90.6%
-12.2% YoY+9.4% QoQ
|
+8.0% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.5%
+115.7% YoY+39.0% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
84.6%
-4.0% YoY-0.9% QoQ
|
+24.0% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$27,078
+8.4% YoY-1.4% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 6.1% in tier |
| CD Concentration |
16.8%
+9.4% YoY+4.9% QoQ
|
-7.6% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)