BlastPoint's Credit Union Scorecard
GROW FINANCIAL
Charter #9976 · FL
GROW FINANCIAL has 1 strength but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35.2% in tier
- - Indirect Auto Dependency: Bottom 70.8% in tier
- - Shrinking Wallet Share: Bottom 86.6% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 0.40% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.1% in tier
- - Average Member Relationship (AMR): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
297,778
+4.3% YoY+0.9% QoQ
|
+77.3K |
220,435
-7.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
Top 12.8% in tier |
| Assets |
$3.9B
+2.9% YoY+4.0% QoQ
|
+$26.4M |
$3.9B
-1.5% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$2.9B
+3.7% YoY+0.3% QoQ
|
+$32.4M |
$2.9B
-1.1% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$3.2B
+1.7% YoY+3.4% QoQ
|
$-76.7M |
$3.3B
-2.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
41% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-45.0% YoY-61.1% QoQ
|
-0.3% |
0.7%
+10.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
3.6%
+3.9% YoY-1.2% QoQ
|
+0.4% |
3.2%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
71.7%
-1.9% YoY+5.7% QoQ
|
+0.4% |
71.3%
-2.6% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
0.4%
-22.3% YoY-23.9% QoQ
|
-0.4 |
0.7%
+9.2% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
20% |
| Loan To Share |
90.8%
+2.0% YoY-3.0% QoQ
|
+2.8% |
88.0%
+0.9% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$20,642
-1.6% YoY+1.0% QoQ
|
$-10K |
$30,672
+5.5% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.4% in tier |
| CD Concentration |
25.3%
+5.7% YoY-0.4% QoQ
|
-3.5% | 28.8% | 24.4% | 19.8% | 35% |
| Indirect Auto % |
48.3%
-3.4% YoY-3.0% QoQ
|
+30.3% | 18.1% | 10.8% | 7.7% | Bottom 5.0% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)