BlastPoint's Credit Union Scorecard
GROW FINANCIAL
Charter #9976 · FL
GROW FINANCIAL has 4 strengths but faces 4 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
- + Organic Growth Engine: Top 36.6% in tier
- + ROA 0.27% above tier average
- + Net Interest Margin 0.49% above tier average
- + Strong member growth: 5.1% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.3% in tier
- - Liquidity Strain: Bottom 70.3% in tier
- - Shrinking Wallet Share: Bottom 80.8% in tier
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
295,094
+5.1% YoY+1.1% QoQ
|
+64.7K |
230,353
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 14.5% in tier |
| Assets |
$3.8B
+2.0% YoY+0.5% QoQ
|
$-150.8M |
$3.9B
+0.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$2.9B
+5.8% YoY+1.0% QoQ
|
$-19.6M |
$2.9B
-0.2% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$3.1B
+1.9% YoY-0.3% QoQ
|
$-196.3M |
$3.3B
-0.3% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
36% |
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 |
1.0%
+51.4% YoY-5.5% QoQ
|
+0.3% |
0.7%
+16.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.6%
+12.5% YoY+1.1% QoQ
|
+0.5% |
3.1%
+9.8% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
67.8%
-5.2% YoY+1.2% QoQ
|
-3.6% |
71.4%
-1.4% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.5%
-20.5% YoY+2.6% QoQ
|
-0.4 |
0.9%
+5.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
93.6%
+3.8% YoY+1.4% QoQ
|
+4.7% |
88.9%
-0.2% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$20,434
-1.2% YoY-0.8% QoQ
|
$-9K |
$29,682
+1.5% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
25.4%
+3.3% YoY+1.5% QoQ
|
-3.6% | 29.0% | 24.1% | 19.8% | 36% |
| Indirect Auto % |
49.8%
+1.3% YoY-0.8% QoQ
|
+31.5% | 18.3% | 10.8% | 7.8% | Top 4.5% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)