BlastPoint's Credit Union Scorecard
GEORGIA POWER VALDOSTA
Charter #12291 · GA
GEORGIA POWER VALDOSTA has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Net Interest Margin 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,792
-2.2% YoY0% QoQ
|
+166 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$22.9M
-5.2% YoY-2.3% QoQ
|
$-7.0M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$12.7M
-8.9% YoY-1.5% QoQ
|
$-3.1M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$19.4M
-7.3% YoY-3.2% QoQ
|
$-6.1M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
1.3%
+925.9% YoY+17.1% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
4.5%
+29.3% YoY+4.7% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
74.6%
-9.2% YoY-3.0% QoQ
|
-6.8% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.0%
-64.2% YoY-32.4% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
65.3%
-1.7% YoY+1.8% QoQ
|
+4.1% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$11,476
-5.9% YoY-2.5% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
33.1%
+9.0% YoY+4.9% QoQ
|
+8.7% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)