BlastPoint's Credit Union Scorecard
FLINT
Charter #16085 · GA
FLINT has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.58% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 9.1% in tier
- - Average Member Relationship (AMR): Bottom 9.3% 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 -4.5% year over year ($2.0M in shares and deposits).
- Membership: 606 members, -1.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.81%.
- Efficiency ratio 60.97% vs a 88.77% peer average.
- Loan-to-share ratio 56.30% 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 |
606
-1.0% YoY+1.0% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$2.9M
-1.5% YoY-2.3% QoQ
|
$-27.4M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.1% in tier |
| Loans |
$1.1M
-4.1% YoY-1.2% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.3% in tier |
| Deposits |
$2.0M
-4.5% YoY-3.9% QoQ
|
$-23.8M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.2% in tier |
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| ROA |
1.8%
-16.1% YoY+2.6% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
Top 12.6% in tier |
| NIM |
4.5%
-1.9% YoY+0.7% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
61.0%
+14.4% YoY-2.5% QoQ
|
-27.8% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Top 12.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
56.3%
+0.4% YoY+2.8% QoQ
|
-2.6% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$5,132
-3.4% YoY-3.9% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.3% in tier |
| CD Concentration |
0.0%
-100.0% YoY-100.0% QoQ
|
-24.6% | 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)