BlastPoint's Credit Union Scorecard
VALDOSTA TEACHERS
Charter #12290 · GA
VALDOSTA TEACHERS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.00% above tier average
- + Strong member growth: 24.6% YoY
- + Member Growth Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.19% below tier average
- - Delinquency rate 0.74% above tier average
- - AMR Growth Rate: Bottom 2.4% in tier
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 ($11.3M in shares and deposits).
- Membership: 2,924 members, +24.6% vs a year ago.
- Delinquency rate 2.29%.
- Return on assets 0.31%.
- Efficiency ratio 80.98% vs a 88.77% peer average.
- Loan-to-share ratio 50.43% 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 |
2,924
+24.6% YoY+24.2% QoQ
|
+338 |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$13.2M
+3.5% YoY+1.3% QoQ
|
$-17.1M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$5.7M
-4.4% YoY+0.6% QoQ
|
$-9.7M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$11.3M
+4.0% YoY+1.9% QoQ
|
$-14.5M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.3%
-76.2% YoY-144.0% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
4.9%
-2.5% YoY+0.4% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
81.0%
+2.0% YoY-7.2% QoQ
|
-7.8% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
2.3%
+68.6% YoY+65.5% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
50.4%
-8.1% YoY-1.3% QoQ
|
-8.5% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$5,830
-18.9% YoY-18.3% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.1% in tier |
| CD Concentration |
3.2%
+48.8% YoY-0.1% QoQ
|
-21.4% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)