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 0.53% above tier average
- + Net Interest Margin 0.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,767
-1.7% YoY-0.9% QoQ
|
+151 |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$23.1M
-6.3% YoY+1.0% QoQ
|
$-7.1M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$12.7M
-7.6% YoY+0.1% QoQ
|
$-3.1M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$19.5M
-8.9% YoY+0.8% QoQ
|
$-6.1M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
1.2%
+435.8% YoY-12.1% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
4.5%
+24.5% YoY+0.2% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
77.7%
-3.1% YoY+4.1% QoQ
|
-4.9% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
1.0%
-9.0% YoY+0.7% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
64.8%
+1.4% YoY-0.7% QoQ
|
+4.2% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$11,640
-6.8% YoY+1.4% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
33.7%
+14.4% YoY+1.8% QoQ
|
+9.3% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)