BlastPoint's Credit Union Scorecard
GROW FINANCIAL
Charter #9976 · FL
GROW FINANCIAL has 5 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.9% in tier
- + Profitability Leader: Top 87.2% in tier
- + ROA 0.29% above tier average
- + Net Interest Margin 0.39% above tier average
- + Strong member growth: 5.6% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 17.2% in tier
- - Liquidity Strain: Bottom 28.2% in tier
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
291,812
+5.6% YoY+1.0% QoQ
|
+53.3K |
238,465
+0.6% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$3.8B
+0.7% YoY-0.3% QoQ
|
$-200.2M |
$4.0B
-0.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$2.9B
+5.7% YoY+1.4% QoQ
|
$-133.0M |
$3.0B
+3.3% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$3.1B
+4.7% YoY-0.8% QoQ
|
$-208.3M |
$3.3B
+1.1% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
1.0%
+16.4% YoY-14.6% QoQ
|
+0.3% |
0.7%
+5.3% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.6%
+12.3% YoY+2.8% QoQ
|
+0.4% |
3.2%
+13.7% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
67.0%
-1.8% YoY+3.1% QoQ
|
-4.2% |
71.3%
-0.6% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.5%
-5.0% YoY+0.9% QoQ
|
-0.4 |
0.8%
+15.9% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
92.4%
+1.0% YoY+2.2% QoQ
|
+1.5% |
90.8%
+2.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$20,599
-0.5% YoY-0.7% QoQ
|
$-8K |
$29,088
+0.1% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
25.1%
+4.2% YoY+3.1% QoQ
|
-3.9% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
34% |
| Indirect Auto % |
50.2%
+1.1% YoY-0.4% QoQ
|
+31.4% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Top 4.5% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)