BlastPoint's Credit Union Scorecard
EGLIN
Charter #9788 · FL
EGLIN has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Total Delinquency Rate (60+ days): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 18.9% in tier
- - Indirect Auto Dependency: Bottom 55.9% in tier
- - Stagnation Risk: Bottom 84.9% in tier
- - Membership Headwinds: Bottom 84.9% in tier
- - Total Loans: Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- - Members Per Employee (MPE): Bottom 3.9% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 7 that size in Florida.
- Shares and deposits +3.8% year over year ($2.66B in shares and deposits).
- Membership: 121,815 members, -1.9% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 1.17%.
- Efficiency ratio 63.32% vs a 69.45% peer average.
- Loan-to-share ratio 34.88% vs a 90.24% 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 |
121,815
-1.9% YoY+0.0% QoQ
|
-94.7K |
216,545
-9.5% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Bottom 3.9% in tier |
| Assets |
$3.1B
+4.6% YoY+0.3% QoQ
|
$-807.4M |
$3.9B
-1.6% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.5% in tier |
| Loans |
$927.1M
-6.3% YoY-0.9% QoQ
|
$-2.0B |
$2.9B
-1.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.1% in tier |
| Deposits |
$2.7B
+3.8% YoY-0.2% QoQ
|
$-599.0M |
$3.3B
-2.6% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.3% in tier |
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| ROA |
1.2%
+30.5% YoY+16.1% QoQ
|
+0.2% |
0.9%
+25.3% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
2.8%
+10.4% YoY+2.1% QoQ
|
-0.5% |
3.2%
+3.8% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
63.3%
-5.8% YoY-4.2% QoQ
|
-6.1% |
69.5%
-2.3% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.3%
-9.7% YoY+14.0% QoQ
|
-0.5 |
0.8%
+5.5% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
Top 9.1% in tier |
| Loan To Share |
34.9%
-9.7% YoY-0.7% QoQ
|
-55.4% |
90.2%
+0.9% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.3% in tier |
| AMR |
$29,433
+3.0% YoY-0.4% QoQ
|
$-2K |
$31,018
+6.9% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
20.2%
+6.5% YoY+1.2% QoQ
|
-8.9% | 29.1% | 24.7% | 20.0% | Bottom 13.9% in tier |
| Indirect Auto % |
16.5%
-16.2% YoY-5.8% QoQ
|
-1.6% | 18.1% | 10.8% | 7.7% | 52% |
Signature Analysis
Strengths (0)
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)