BlastPoint's Credit Union Scorecard
EGLIN
Charter #9788 · FL
EGLIN has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 18.8% in tier
- - Indirect Auto Dependency: Bottom 44.2% in tier
- - Stagnation Risk: Bottom 84.2% in tier
- - Membership Headwinds: Bottom 84.2% 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 5.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,775
-1.8% YoY-0.5% QoQ
|
-98.7K |
220,435
-7.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
Bottom 6.4% in tier |
| Assets |
$3.1B
+5.6% YoY+0.7% QoQ
|
$-828.7M |
$3.9B
-1.5% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.4% in tier |
| Loans |
$935.5M
-6.1% YoY-2.4% QoQ
|
$-2.0B |
$2.9B
-1.1% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$2.7B
+5.1% YoY+0.5% QoQ
|
$-635.0M |
$3.3B
-2.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.8% in tier |
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| ROA |
1.0%
+19.6% YoY+4.1% QoQ
|
+0.3% |
0.7%
+10.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
2.7%
+10.4% YoY+6.0% QoQ
|
-0.5% |
3.2%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
66.1%
-4.0% YoY+0.7% QoQ
|
-5.2% |
71.3%
-2.6% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
0.3%
-12.9% YoY-48.7% QoQ
|
-0.4 |
0.7%
+9.2% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
Top 10.3% in tier |
| Loan To Share |
35.1%
-10.7% YoY-2.9% QoQ
|
-52.9% |
88.0%
+0.9% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.3% in tier |
| AMR |
$29,549
+3.8% YoY+0.2% QoQ
|
$-1K |
$30,672
+5.5% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
55% |
| CD Concentration |
20.0%
+9.8% YoY+1.3% QoQ
|
-8.9% | 28.8% | 24.4% | 19.8% | Bottom 13.6% in tier |
| Indirect Auto % |
17.5%
-14.0% YoY-3.5% QoQ
|
-0.6% | 18.1% | 10.8% | 7.7% | 54% |
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.
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)