BlastPoint's Credit Union Scorecard

PEACH STATE

Charter #14676 · GA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 5 in GA

View Mid-Market leaderboard →

PEACH STATE has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 21.3% in tier
+ ROA 0.05% above tier average
+ Net Interest Margin 0.19% above tier average
+ First Mortgage Concentration (%): Top 4.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 83.2% in tier
- Stagnation Risk: Bottom 83.2% in tier
- Efficiency ratio 4.58% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	76,603 -1.7% YoY-0.6% QoQ	-19.4K	96,048 -2.7% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	39%
Assets	$1.1B +2.5% YoY+1.7% QoQ	$-607.8M	$1.7B +0.4% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	Bottom 11.8% in tier
Loans	$742.2M +8.3% YoY+0.2% QoQ	$-471.6M	$1.2B +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	Bottom 11.1% in tier
Deposits	$1.0B +2.1% YoY+2.0% QoQ	$-459.6M	$1.5B +0.5% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	19%

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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	0.8% -9.6% YoY-7.8% QoQ	+0.1%	0.7% +27.6% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	60%
NIM	3.5% +10.0% YoY+4.3% QoQ	+0.2%	3.4% +6.2% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	79.2% -0.3% YoY-0.2% QoQ	+4.6%	74.6% -3.0% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	0.4% -5.6% YoY-24.2% QoQ	-0.4	0.8% +6.9% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	21%
Loan To Share	73.8% +6.0% YoY-1.7% QoQ	-9.4%	83.2% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	22%
AMR	$22,820 +6.5% YoY+1.8% QoQ	$-7K	$29,652 +2.3% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	18%
CD Concentration	23.9% -0.8% YoY-1.6% QoQ	-5.0%	28.8%	20.0%	19.8%	28%
Indirect Auto %	0.5% -46.7% YoY-13.9% QoQ	-17.6%	18.1%	4.3%	7.7%	16%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#81 of 125 • Top 21.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.48%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#65 of 91 • Bottom 83.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.70%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#85 of 91 • Bottom 83.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.70%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.30%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.35%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 12.71%

Peer Median: 33.05%

#16 of 306 Top 4.9% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.50%

Peer Median: 13.86%

#55 of 306 Top 17.6% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.63%

#66 of 306 Top 21.2% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.48%

Peer Median: 3.15%

#68 of 306 Top 21.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Median: 0.51%

#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (10 metrics)

272

Total Loans

balance_sheet

Value: $742.15M

Peer Median: $1.11B

#272 of 306 Bottom 11.4% in 1B-3B tier

270

Total Assets

balance_sheet

Value: $1.11B

Peer Median: $1.51B

#270 of 306 Bottom 12.1% in 1B-3B tier

263

Net Worth Ratio

risk

Value: 9.03%

Peer Median: 10.85%

#263 of 306 Bottom 14.4% in 1B-3B tier

259

Loan-to-Member Ratio (LMR)

engagement

Value: $9,688

Peer Median: $12,733

#259 of 306 Bottom 15.7% in 1B-3B tier

251

Member Growth Rate

growth

Value: -1.70%

Peer Median: 2.03%

#251 of 306 Bottom 18.3% in 1B-3B tier

250

Average Member Relationship (AMR)

engagement

Value: $22,820

Peer Median: $28,178

#250 of 306 Bottom 18.6% in 1B-3B tier

249

Total Deposits

balance_sheet

Value: $1.01B

Peer Median: $1.31B

#249 of 306 Bottom 19.0% in 1B-3B tier

240

Loan-to-Share Ratio

balance_sheet

Value: 73.78%

Peer Median: 85.31%

#240 of 306 Bottom 21.9% in 1B-3B tier

239

Members Per Employee (MPE)

engagement

Value: 294.627

Peer Median: 345.077

#239 of 306 Bottom 22.2% in 1B-3B tier

231

Deposit Growth Rate

growth

Value: 2.14%

Peer Median: 4.44%

#231 of 306 Bottom 24.8% in 1B-3B tier