BlastPoint's Credit Union Scorecard

METRO NORTH

Charter #9441 · FL

<100M

2508 CUs in <100M nationally 35 in FL

METRO NORTH has 1 strength but faces 2 concerns

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 0.25% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.3% YoY
- First Mortgage Concentration (%): Bottom 3.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	1,277 -3.3% YoY0% QoQ	-1.4K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	35%
Assets	$21.6M -4.0% YoY-0.9% QoQ	$-8.6M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	50%
Loans	$8.3M -2.5% YoY-2.7% QoQ	$-7.0M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	46%
Deposits	$17.9M -5.4% YoY-0.3% QoQ	$-7.9M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	49%

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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	0.4% -37.4% YoY-30.6% QoQ	+0.3%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	40%
NIM	3.3% -0.6% YoY-0.6% QoQ	-0.7%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	89.3% +7.5% YoY+4.7% QoQ	-1.3%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.1%	-1.4	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	22%
Loan To Share	46.3% +3.0% YoY-2.4% QoQ	-12.3%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	31%
AMR	$20,509 -1.2% YoY-1.1% QoQ	+$6K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	80%
CD Concentration	24.0% +17.2% YoY-0.6% QoQ	-0.3%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

497

Net Charge-Off Rate

risk

Value: -0.00%

Peer Median: 0.07%

#497 of 2508 Top 19.8% in <100M tier

505

Average Member Relationship (AMR)

engagement

Value: $20,509

Peer Median: $13,926

#505 of 2508 Top 20.1% in <100M tier

565

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: 0.65%

#565 of 2508 Top 22.5% in <100M tier

Top Weaknesses (3 metrics)

2422

First Mortgage Concentration (%)

balance_sheet

Value: 62.09%

Peer Median: 3.66%

#2422 of 2508 Bottom 3.5% in <100M tier

2090

Deposit Growth Rate

growth

Value: -5.39%

Peer Median: 0.66%

#2090 of 2508 Bottom 16.7% in <100M tier

2055

Asset Growth Rate

growth

Value: -4.00%

Peer Median: 1.30%

#2055 of 2508 Bottom 18.1% in <100M tier