BlastPoint's Credit Union Scorecard
PEACH STATE
Charter #14676 · GA
PEACH STATE has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 23.9% in tier
- + Net Interest Margin 0.18% above tier average
- + First Mortgage Concentration (%): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 86.3% in tier
- - Stagnation Risk: Bottom 86.3% in tier
- - Efficiency ratio 5.61% above tier (higher cost structure)
- - Member decline: -2.1% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Georgia.
- Shares and deposits +2.0% year over year ($1.01B in shares and deposits).
- Membership: 76,348 members, -2.1% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 0.81%.
- Efficiency ratio 78.63% vs a 73.02% peer average.
- Loan-to-share ratio 74.93% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
76,348
-2.1% YoY-0.3% QoQ
|
-20.5K |
96,861
-1.9% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$1.1B
+2.7% YoY+0.7% QoQ
|
$-604.3M |
$1.7B
+0.4% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.0% in tier |
| Loans |
$755.3M
+7.3% YoY+1.8% QoQ
|
$-478.9M |
$1.2B
+0.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.7% in tier |
| Deposits |
$1.0B
+2.0% YoY+0.2% QoQ
|
$-455.3M |
$1.5B
+0.5% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
21% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+2.7% YoY+4.5% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
3.6%
+10.0% YoY+1.8% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
78.6%
-1.4% YoY-0.7% QoQ
|
+5.6% |
73.0%
-2.7% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.3%
-25.6% YoY-8.0% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Top 13.3% in tier |
| Loan To Share |
74.9%
+5.2% YoY+1.6% QoQ
|
-9.8% |
84.7%
+0.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$23,097
+6.4% YoY+1.2% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
24.3%
-0.2% YoY+1.9% QoQ
|
-4.8% | 29.1% | 20.2% | 20.0% | 28% |
| Indirect Auto % |
0.4%
-47.4% YoY-15.6% QoQ
|
-17.7% | 18.1% | 4.3% | 7.7% | Top 14.7% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)