BlastPoint's Credit Union Scorecard
PEACH STATE
Charter #14676 · GA
PEACH STATE has 4 strengths but faces 5 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 51.3% in tier
- + ROA 0.12% above tier average
- + Net Interest Margin 0.08% above tier average
- + First Mortgage Concentration (%): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 20.5% in tier
- - Credit Quality Pressure: Bottom 26.3% in tier
- - Efficiency ratio 5.32% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 7.9% in tier
- - Total Loans: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,916
-0.0% YoY-0.1% QoQ
|
-20.8K |
98,678
-1.9% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$1.1B
+6.1% YoY-0.1% QoQ
|
$-630.4M |
$1.7B
+0.5% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.2% in tier |
| Loans |
$732.5M
+9.9% YoY+4.0% QoQ
|
$-500.6M |
$1.2B
+0.5% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.6% in tier |
| Deposits |
$986.6M
+5.8% YoY-0.2% QoQ
|
$-467.7M |
$1.5B
+1.3% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
0.8%
+0.7% YoY+4.9% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
3.3%
+3.9% YoY+2.1% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
79.3%
+2.6% YoY-0.6% QoQ
|
+5.3% |
74.0%
-10.9% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.4%
+2.8% YoY-1.4% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
74.2%
+3.8% YoY+4.2% QoQ
|
-11.0% |
85.2%
-0.8% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$22,063
+7.6% YoY+1.7% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.5% in tier |
| CD Concentration |
24.4%
+4.5% YoY+0.3% QoQ
|
-4.5% |
29.0%
+0.7% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
31% |
| Indirect Auto % |
0.7%
-46.3% YoY-16.1% QoQ
|
-18.1% |
18.8%
-3.0% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
17% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)