BlastPoint's Credit Union Scorecard
PEACH STATE
Charter #14676 · GA
PEACH STATE has 4 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 46.7% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.12% above tier average
- + First Mortgage Concentration (%): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 65.6% in tier
- - Membership Headwinds: Bottom 79.8% in tier
- - Credit Quality Pressure: Bottom 93.3% in tier
- - Stagnation Risk: Bottom 95.2% in tier
- - Efficiency ratio 5.32% above tier (higher cost structure)
- - Total Loans: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,065
-1.3% YoY-1.1% QoQ
|
-20.4K |
97,431
-2.4% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$1.1B
+4.6% YoY+0.4% QoQ
|
$-629.4M |
$1.7B
+0.9% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.9% in tier |
| Loans |
$740.5M
+11.0% YoY+1.1% QoQ
|
$-493.9M |
$1.2B
+0.5% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.3% in tier |
| Deposits |
$986.3M
+3.9% YoY-0.0% QoQ
|
$-473.0M |
$1.5B
+0.9% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.8%
+14.2% YoY+1.6% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.4%
+10.3% YoY+1.5% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
79.4%
+1.0% YoY+0.1% QoQ
|
+5.3% |
74.1%
-9.5% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.5%
+5.5% YoY+8.1% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
75.1%
+6.8% YoY+1.1% QoQ
|
-9.7% |
84.8%
-0.8% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$22,408
+8.3% YoY+1.6% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
24.3%
+0.5% YoY-0.8% QoQ
|
-4.8% | 29.0% | 20.5% | 19.8% | 29% |
| Indirect Auto % |
0.6%
-46.6% YoY-13.7% QoQ
|
-17.7% | 18.3% | 4.4% | 7.8% | 16% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)