BlastPoint's Credit Union Scorecard
ALTAMAHA
Charter #10262 · GA
ALTAMAHA has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.74% above tier average
- + Strong member growth: 7.3% YoY
- + Total Members: Top 1.1% in tier
- + Member Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits +4.0% year over year ($62.4M in shares and deposits).
- Membership: 10,813 members, +7.3% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 0.43%.
- Efficiency ratio 87.46% vs a 88.77% peer average.
- Loan-to-share ratio 57.83% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,813
+7.3% YoY-0.9% QoQ
|
+8.2K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Top 1.1% in tier |
| Assets |
$74.1M
+4.1% YoY+0.4% QoQ
|
+$43.8M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Top 10.7% in tier |
| Loans |
$36.1M
+1.1% YoY+1.8% QoQ
|
+$20.6M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Top 12.8% in tier |
| Deposits |
$62.4M
+4.0% YoY+0.4% QoQ
|
+$36.5M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 11.1% in tier |
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| ROA |
0.4%
+90.9% YoY-8.0% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
4.6%
+3.7% YoY+3.3% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
87.5%
-5.8% YoY-0.1% QoQ
|
-1.3% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.2%
-75.0% YoY-36.8% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
27% |
| Loan To Share |
57.8%
-2.8% YoY+1.4% QoQ
|
-1.1% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$9,101
-4.1% YoY+1.8% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
10.6%
-11.6% YoY-0.8% QoQ
|
-14.0% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % |
6.2%
+14.4% YoY-12.3% QoQ
|
-7.5% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)