BlastPoint's Credit Union Scorecard
WARE COUNTY SCHOOL EMPLOYEES
Charter #15265 · GA
WARE COUNTY SCHOOL EMPLOYEES faces 2 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Share Certificate Concentration (%): Bottom 1.8% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits -2.1% year over year ($5.4M in shares and deposits).
- Membership: 808 members, +1.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.03%.
- Efficiency ratio 70.54% vs a 88.77% peer average.
- Loan-to-share ratio 85.69% vs a 58.89% 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 |
808
+1.3% YoY+0.6% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$6.3M
-1.0% YoY-2.3% QoQ
|
$-24.0M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$4.6M
+5.5% YoY+0.9% QoQ
|
$-10.8M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$5.4M
-2.1% YoY-2.9% QoQ
|
$-20.4M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
1.0%
+25.8% YoY+15.1% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
3.3%
+10.0% YoY+3.8% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
70.5%
-4.8% YoY-4.2% QoQ
|
-18.2% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Top 12.6% in tier |
| Loan To Share |
85.7%
+7.8% YoY+3.9% QoQ
|
+26.8% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 13.4% in tier |
| AMR |
$12,386
+0.0% YoY-1.8% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
58.6%
+5.7% YoY-4.0% QoQ
|
+34.0% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)