BlastPoint's Credit Union Scorecard
EGLIN
Charter #9788 · FL
EGLIN has 1 strength but faces 12 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 27.6% in tier
- - Credit Quality Pressure: Bottom 40.5% in tier
- - Stagnation Risk: Bottom 46.4% in tier
- - Indirect Auto Dependency: Bottom 66.2% in tier
- - Membership Headwinds: Bottom 67.9% in tier
- - Total Loans: Bottom 2.6% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Total Assets: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
- - Total Members: Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
122,434
-1.5% YoY-1.1% QoQ
|
-107.9K |
230,353
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 5.3% in tier |
| Assets |
$3.1B
+5.9% YoY+2.6% QoQ
|
$-874.8M |
$3.9B
+0.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.9% in tier |
| Loans |
$958.9M
-6.7% YoY-1.0% QoQ
|
$-2.0B |
$2.9B
-0.2% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.3% in tier |
| Deposits |
$2.7B
+5.4% YoY+2.7% QoQ
|
$-660.4M |
$3.3B
-0.3% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.5% in tier |
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| ROA |
1.0%
+3.7% YoY+3.7% QoQ
|
+0.3% |
0.7%
+16.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
2.6%
+8.9% YoY+0.4% QoQ
|
-0.6% |
3.1%
+9.8% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
65.7%
+0.6% YoY-1.3% QoQ
|
-5.8% |
71.4%
-1.4% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.6%
+39.7% YoY+59.0% QoQ
|
-0.3 |
0.9%
+5.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
36.2%
-11.5% YoY-3.7% QoQ
|
-52.7% |
88.9%
-0.2% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.3% in tier |
| AMR |
$29,480
+3.5% YoY+2.8% QoQ
|
$-203 |
$29,682
+1.5% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
19.7%
+14.4% YoY-1.5% QoQ
|
-9.3% | 29.0% | 24.1% | 19.8% | Bottom 13.0% in tier |
| Indirect Auto % |
18.1%
-12.6% YoY-4.2% QoQ
|
-0.2% | 18.3% | 10.8% | 7.8% | 54% |
Signature Analysis
Strengths (0)
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)