FLINT
Charter #16085 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
FLINT demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.43% above tier average
- + Net Interest Margin 0.66% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.6% in tier
- + Efficiency Ratio: Top 8.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
609
-0.2% YoY-0.5% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 16.6% in tier |
| Assets |
$3.0M
+1.4% YoY+2.3% QoQ
|
$-26.9M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.9% in tier |
| Loans |
$1.2M
+5.0% YoY+3.3% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.8% in tier |
| Deposits |
$2.1M
-0.7% YoY+2.5% QoQ
|
$-23.3M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.3% in tier |
| ROA |
2.1%
-3.2% YoY-1.7% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 7.2% in tier |
| NIM |
4.6%
-4.7% YoY+0.6% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 24.1% in tier |
| Efficiency Ratio |
53.7%
-2.7% YoY+0.8% QoQ
|
-27.7% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
56.5%
+5.7% YoY+0.8% QoQ
|
-4.7% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
43rd in tier |
| AMR |
$5,485
+1.4% YoY+3.3% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
4.0%
-3.1% YoY-2.4% QoQ
|
-20.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
187
Return on Assets (ROA)
profitability
Value:
2.12%
Peer Avg: 0.68%
#187 of 2596
Top 7.2% in <100M tier
198
Net Worth Ratio
risk
Value:
27.87%
Peer Avg: 16.43%
#198 of 2596
Top 7.6% in <100M tier
218
Efficiency Ratio
profitability
Value:
53.72%
Peer Avg: 81.39%
#218 of 2596
Top 8.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
534
Loan Growth Rate
growth
Value:
4.95%
Peer Avg: 59.01%
#534 of 2596
Top 20.5% in <100M tier
626
Net Interest Margin (NIM)
profitability
Value:
4.59%
Peer Avg: 3.93%
#626 of 2596
Top 24.1% in <100M tier
Top Weaknesses (7 metrics)
2325
Fee Income Per Member
profitability
Value:
$2.32
Peer Avg: $182.96
#2325 of 2596
Bottom 10.5% in <100M tier
2324
Average Member Relationship (AMR)
engagement
Value:
$5,485
Peer Avg: $14,627
#2324 of 2596
Bottom 10.5% in <100M tier
2277
Total Deposits
balance_sheet
Value:
$2.13M
Peer Avg: $25.45M
#2277 of 2596
Bottom 12.3% in <100M tier
2266
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,981
Peer Avg: $5,488
#2266 of 2596
Bottom 12.8% in <100M tier
2265
Total Loans
balance_sheet
Value:
$1.21M
Peer Avg: $15.77M
#2265 of 2596
Bottom 12.8% in <100M tier
2261
Total Assets
balance_sheet
Value:
$2.98M
Peer Avg: $29.86M
#2261 of 2596
Bottom 12.9% in <100M tier
2166
Total Members
engagement
Value:
609
Peer Avg: 2,626
#2166 of 2596
Bottom 16.6% in <100M tier