BlastPoint's Credit Union Scorecard
FAITH CONNECTION
Charter #13704 · GA
FAITH CONNECTION has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 13.43% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,901
-1.2% YoY-0.2% QoQ
|
+275 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
65% |
| Assets |
$31.9M
-2.7% YoY-2.5% QoQ
|
+$2.0M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$19.4M
-4.7% YoY-2.6% QoQ
|
+$3.6M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$28.3M
-2.9% YoY-2.6% QoQ
|
+$2.9M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
0.2%
+1.1% YoY-0.8% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
4.2%
+3.1% YoY+2.2% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
94.8%
+1.7% YoY+1.1% QoQ
|
+13.4% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.4%
-59.2% YoY+16.4% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
68.5%
-1.9% YoY+0.0% QoQ
|
+7.3% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$16,446
-2.5% YoY-2.4% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
28.8%
-5.1% YoY-5.8% QoQ
|
+4.4% |
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)