BlastPoint's Credit Union Scorecard
FLINT
Charter #16085 · GA
FLINT has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.10% above tier average
- + Net Interest Margin 0.60% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Worth Ratio: Top 6.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
596
-2.5% YoY-2.1% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$2.9M
+2.0% YoY-2.7% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.4% in tier |
| Loans |
$1.2M
+7.8% YoY-0.6% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.6% in tier |
| Deposits |
$2.0M
+0.1% YoY-4.2% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.5% in tier |
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| ROA |
1.7%
-12.1% YoY-18.6% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 11.3% in tier |
| NIM |
4.6%
-4.4% YoY-0.8% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
62.1%
+4.0% YoY+15.5% QoQ
|
-20.5% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 13.8% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
58.6%
+7.7% YoY+3.7% QoQ
|
-2.0% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$5,443
+5.4% YoY-0.8% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
4.2%
+0.2% YoY+4.5% QoQ
|
-20.3% | 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)