BlastPoint's Credit Union Scorecard
WARE COUNTY SCHOOL EMPLOYEES
Charter #15265 · GA
WARE COUNTY SCHOOL EMPLOYEES has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 1.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
795
-0.5% YoY-0.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$6.3M
+0.7% YoY-0.1% QoQ
|
$-23.9M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$4.3M
-4.0% YoY-4.0% QoQ
|
$-11.5M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$5.4M
-0.2% YoY-0.4% QoQ
|
$-20.3M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
0.8%
+16.5% YoY-1.6% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.1%
+4.2% YoY+0.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
74.2%
-3.8% YoY+0.5% QoQ
|
-8.4% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.0%
+534.9% YoY-28.3% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.5% in tier |
| Loan To Share |
78.2%
-3.8% YoY-3.6% QoQ
|
+17.6% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$12,189
-1.4% YoY-1.4% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
59.7%
+8.9% YoY+6.1% QoQ
|
+35.3% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)