BlastPoint's Credit Union Scorecard

METRO NORTH

Charter #9441 · FL

2556 CUs in <100M nationally 38 in FL

METRO NORTH has 1 strength but faces 4 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

+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.05% below tier average
- Efficiency ratio 2.68% above tier (higher cost structure)
- Member decline: -3.3% YoY
- First Mortgage Concentration (%): Bottom 3.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	1,277 -3.3% YoY-0.8% QoQ	-1.3K	2,615 -1.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	35%
Assets	$21.8M +0.5% YoY-2.0% QoQ	$-8.4M	$30.1M +2.1% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	50%
Loans	$8.5M -8.8% YoY+0.3% QoQ	$-7.2M	$15.8M -1.3% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	46%
Deposits	$18.0M -0.8% YoY-3.3% QoQ	$-7.7M	$25.7M +1.4% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	50%

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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	0.6% -25.4% YoY-1.7% QoQ	-0.0%	0.6% +10.8% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	43%
NIM	3.3% -5.8% YoY+0.7% QoQ	-0.6%	4.0% +4.0% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	28%
Efficiency Ratio	85.2% +5.9% YoY+0.8% QoQ	+2.7%	82.6% -2.3% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	64%
Delinquency Rate	0.0% +75.6% YoY-46.3% QoQ	-1.5	1.6% -3.1% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	16%
Loan To Share	47.4% -8.1% YoY+3.7% QoQ	-13.2%	60.6% -3.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	30%
AMR	$20,735 -0.2% YoY-1.4% QoQ	+$6K	$14,783 -1.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	81%
CD Concentration	24.1% +15.4% YoY-3.2% QoQ	-0.3%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	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 2556 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

396

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: -

#396 of 2556 Top 15.5% in <100M tier

481

Average Member Relationship (AMR)

engagement

Value: $20,735

Peer Median: -

#481 of 2556 Top 18.8% in <100M tier

Top Weaknesses (3 metrics)

2463

First Mortgage Concentration (%)

balance_sheet

Value: 61.07%

Peer Median: -

#2463 of 2556 Bottom 3.7% in <100M tier

2098

Members Per Employee (MPE)

engagement

Value: 212.833

Peer Median: -

#2098 of 2556 Bottom 18.0% in <100M tier

1934

Loan Growth Rate

growth

Value: -8.77%

Peer Median: -

#1934 of 2556 Bottom 24.4% in <100M tier