BlastPoint's Credit Union Scorecard

AFLAC

Charter #16096 · GA

100M-500M

1024 CUs in 100M-500M nationally 18 in GA

AFLAC has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.75% above tier average
+ Net Interest Margin 0.06% above tier average
+ Efficiency Ratio: Top 0.1% in tier
+ Members Per Employee (MPE): Top 0.1% in tier
+ Net Worth Ratio: Top 0.2% in tier
+ Net Charge-Off Rate: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Delinquency rate 0.78% above tier average
- Member decline: -10.4% YoY
- Loan-to-Member Ratio (LMR): Bottom 0.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
Shares and deposits -6.5% year over year ($81.7M in shares and deposits).
Membership: 9,222 members, -10.4% vs a year ago.
Delinquency rate 1.66%.
Return on assets 2.61%.
Efficiency ratio 26.94% vs a 76.73% peer average.
Loan-to-share ratio 15.89% vs a 71.54% 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	9,222 -10.4% YoY-2.4% QoQ	-5.9K	15,168 -2.6% YoY	32,666 +7.6% YoY	34,678 +6.6% YoY	27%
Assets	$133.8M -3.6% YoY-2.6% QoQ	$-98.2M	$232.0M +0.7% YoY	$529.0M +8.4% YoY	$593.1M +10.2% YoY	21%
Loans	$13.0M -2.1% YoY+3.8% QoQ	$-133.3M	$146.3M +0.2% YoY	$366.4M +11.0% YoY	$418.6M +10.1% YoY	Bottom 0.1% in tier
Deposits	$81.7M -6.5% YoY-1.4% QoQ	$-119.0M	$200.7M +0.2% YoY	$453.8M +8.0% YoY	$504.8M +10.3% YoY	Bottom 0.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.6% -6.8% YoY-0.9% QoQ	+1.7%	0.9% +12.5% YoY	1.1% +36.8% YoY	1.2% +121.4% YoY	Top 0.5% in tier
NIM	3.7% -9.3% YoY+1.5% QoQ	+0.1%	3.7% +4.5% YoY	4.1% -0.3% YoY	3.8% +2.3% YoY	54%
Efficiency Ratio	26.9% +13.3% YoY+32.6% QoQ	-49.8%	76.7% -0.8% YoY	78.8% -0.4% YoY	83.0% -5.3% YoY	Top 0.1% in tier
Delinquency Rate	1.7% -3.3% YoY+8.3% QoQ	+0.8	0.9% +6.6% YoY	1.5% +41.3% YoY	1.3% +2.6% YoY	Bottom 11.2% in tier
Loan To Share	15.9% +4.7% YoY+5.3% QoQ	-55.7%	71.5% -0.3% YoY	70.2% -1.6% YoY	66.4% -1.4% YoY	Bottom 0.3% in tier
AMR	$10,272 +5.0% YoY+1.7% QoQ	$-15K	$25,107 +3.2% YoY	$17,498 +1.4% YoY	$20,028 -0.9% YoY	Bottom 0.2% in tier
CD Concentration	0.0%	-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 (1)

Wallet Share Momentum

growth

#481 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.03%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (5)

Liquidity Overhang

risk

#1 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 38.85%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 15.89%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

Stagnation Risk

risk

#23 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -10.39%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.06%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.66%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY

Membership Headwinds

decline

#34 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -10.39%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Margin Compression

decline

#53 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 2.61%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.80%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Institutional Decline

decline

#110 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $133.81M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -10.39%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.06%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 26.94%

Peer Median: 77.26%

#1 of 1024 Top 0.1% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.92%

#1 of 1024 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.39%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 1152.750

Peer Median: 310.924

#2 of 1024 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 38.85%

Peer Median: 11.71%

#3 of 1024 Top 0.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.61%

Peer Median: 0.75%

#5 of 1024 Top 0.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.34%

#89 of 1024 Top 8.6% in 100M-500M tier

Top Weaknesses (12 metrics)

1024

Loan-to-Member Ratio (LMR)

engagement

Value: $1,408

Peer Median: $9,434

#1024 of 1024 Bottom 0.1% in 100M-500M tier

1023

Fee Income Per Member

profitability

Value: $0.56

Peer Median: $159.88

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1023

Total Loans

balance_sheet

Value: $12.99M

Peer Median: $124.04M

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1022

Average Member Relationship (AMR)

engagement

Value: $10,272

Peer Median: $23,006

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1021

Total Deposits

balance_sheet

Value: $81.74M

Peer Median: $170.77M

#1021 of 1024 Bottom 0.4% in 100M-500M tier

1021

Loan-to-Share Ratio

balance_sheet

Value: 15.89%

Peer Median: 73.07%

#1021 of 1024 Bottom 0.4% in 100M-500M tier

1007

Deposit Growth Rate

growth

Value: -6.46%

Peer Median: 3.58%

#1007 of 1024 Bottom 1.8% in 100M-500M tier

998

Member Growth Rate

growth

Value: -10.39%

Peer Median: -0.03%

#998 of 1024 Bottom 2.6% in 100M-500M tier

984

Asset Growth Rate

growth

Value: -3.64%

Peer Median: 4.12%

#984 of 1024 Bottom 4.0% in 100M-500M tier

910

Total Delinquency Rate (60+ days)

risk

Value: 1.66%

Peer Median: 0.71%

#910 of 1024 Bottom 11.2% in 100M-500M tier