BlastPoint's Credit Union Scorecard

ALTAMAHA

Charter #10262 · GA

<100M

2508 CUs in <100M nationally 42 in GA

ALTAMAHA has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.32% above tier average
+ Net Interest Margin 0.48% above tier average
+ Total Members: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	10,908 +1.2% YoY+0.9% QoQ	+8.2K	2,676 +1.6% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	Top 1.0% in tier
Assets	$73.8M +2.8% YoY+2.0% QoQ	+$43.6M	$30.2M +1.3% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	Top 10.4% in tier
Loans	$35.4M +1.6% YoY-1.1% QoQ	+$20.1M	$15.3M -2.0% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	Top 13.0% in tier
Deposits	$62.1M +2.2% YoY+2.5% QoQ	+$36.3M	$25.8M +0.7% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	Top 11.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -930.7% YoY+74.6% QoQ	+0.3%	0.1% -77.6% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	43%
NIM	4.5% +4.8% YoY-2.0% QoQ	+0.5%	4.0% +4.0% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	87.6% -10.1% YoY-3.7% QoQ	-3.1%	90.6% +6.5% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.3% -55.8% YoY-64.2% QoQ	-1.2	1.5% +3.8% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	37%
Loan To Share	57.0% -0.6% YoY-3.5% QoQ	-1.5%	58.5% -3.0% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	48%
AMR	$8,940 +0.7% YoY+0.3% QoQ	$-6K	$14,884 -1.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	23%
CD Concentration	10.7% -10.1% YoY-2.8% QoQ	-13.6%	24.3%	20.0%	19.8%	50%
Indirect Auto %	7.0% +74.1% YoY-8.8% QoQ	-6.8%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 10,908

Peer Median: 1,918

#25 of 2508 Top 1.0% in <100M tier

260

Total Assets

balance_sheet

Value: $73.78M

Peer Median: $21.86M

#260 of 2508 Top 10.3% in <100M tier

281

Total Deposits

balance_sheet

Value: $62.11M

Peer Median: $18.77M

#281 of 2508 Top 11.2% in <100M tier

326

Total Loans

balance_sheet

Value: $35.42M

Peer Median: $9.48M

#326 of 2508 Top 13.0% in <100M tier

483

Fee Income Per Member

profitability

Value: $125.08

Peer Median: $60.42

#483 of 2508 Top 19.2% in <100M tier

553

Member Growth Rate

growth

Value: 1.21%

Peer Median: -1.37%

#553 of 2508 Top 22.0% in <100M tier

597

Net Interest Margin (NIM)

profitability

Value: 4.49%

Peer Median: 3.83%

#597 of 2508 Top 23.8% in <100M tier

Top Weaknesses (3 metrics)

2264

Indirect Auto Concentration (%)

balance_sheet

Value: 7.02%

Peer Median: 0.00%

#2264 of 2508 Bottom 9.8% in <100M tier

2217

Net Charge-Off Rate

risk

Value: 1.19%

Peer Median: 0.07%

#2217 of 2508 Bottom 11.6% in <100M tier

1933

Average Member Relationship (AMR)

engagement

Value: $8,940

Peer Median: $13,926

#1933 of 2508 Bottom 23.0% in <100M tier