BlastPoint's Credit Union Scorecard

VALDOSTA TEACHERS

Charter #12290 · GA

<100M

2508 CUs in <100M nationally 42 in GA

VALDOSTA TEACHERS has 1 strength 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

+ Net Interest Margin 0.87% above tier average

Key Concerns

Areas that may need attention

- ROA 0.84% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	2,355 +1.2% YoY+0.7% QoQ	-321	2,676 +1.6% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	58%
Assets	$13.0M +3.0% YoY+3.6% QoQ	$-17.2M	$30.2M +1.3% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	37%
Loans	$5.7M -2.4% YoY-6.0% QoQ	$-9.6M	$15.3M -2.0% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	37%
Deposits	$11.1M +3.0% YoY+4.5% QoQ	$-14.7M	$25.8M +0.7% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	38%

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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	-0.7% -243.5% YoY-154.4% QoQ	-0.8%	0.1% -77.6% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	Bottom 11.0% in tier
NIM	4.9% -6.8% YoY-5.3% QoQ	+0.9%	4.0% +4.0% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	Top 13.9% in tier
Efficiency Ratio	87.3% +8.8% YoY+15.3% QoQ	-3.4%	90.6% +6.5% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	1.4% +1780.8% YoY-13.4% QoQ	-0.1	1.5% +3.8% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	72%
Loan To Share	51.1% -5.3% YoY-10.0% QoQ	-7.4%	58.5% -3.0% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	38%
AMR	$7,133 -0.2% YoY-0.0% QoQ	$-8K	$14,884 -1.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	15%
CD Concentration	3.2% +48.1% YoY-4.6% QoQ	-21.1%	24.3%	20.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

349

Net Interest Margin (NIM)

profitability

Value: 4.88%

Peer Median: 3.83%

#349 of 2508 Top 13.9% in <100M tier

543

Member Growth Rate

growth

Value: 1.25%

Peer Median: -1.37%

#543 of 2508 Top 21.6% in <100M tier

Top Weaknesses (3 metrics)

2233

Return on Assets (ROA)

profitability

Value: -0.70%

Peer Median: 0.61%

#2233 of 2508 Bottom 11.0% in <100M tier

2125

Average Member Relationship (AMR)

engagement

Value: $7,133

Peer Median: $13,926

#2125 of 2508 Bottom 15.3% in <100M tier

2060

Loan-to-Member Ratio (LMR)

engagement

Value: $2,412

Peer Median: $4,923

#2060 of 2508 Bottom 17.9% in <100M tier