BlastPoint's Credit Union Scorecard
AFLAC
Charter #16096 · GA
1077 CUs in 100M-500M nationally
20 in GA
AFLAC has 12 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 0.8% in tier
- + Profitability Leader: Top 0.9% in tier
- + ROA 2.16% above tier average
- + Net Interest Margin 0.57% above tier average
- + Efficiency Ratio: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.1% in tier
- + Net Worth Ratio: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.2% in tier
- + AMR Growth Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.0% in tier
- - Membership Headwinds: Bottom 0.1% in tier
- - Stagnation Risk: Bottom 1.3% in tier
- - Institutional Decline: Bottom 9.3% in tier
- - Credit Quality Pressure: Bottom 26.9% in tier
- - Delinquency rate 1.24% above tier average
- - Member decline: -32.8% YoY
- - Loan-to-Member Ratio (LMR): Bottom 0.1% in tier
- - Fee Income Per Member: Bottom 0.2% in tier
- - Total Loans: Bottom 0.2% in tier
- - Average Member Relationship (AMR): Bottom 0.3% in tier
- - Loan-to-Share Ratio: Bottom 0.4% in tier
- - Member Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.6% in tier
- - Total Deposits: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - Asset Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,734
-32.8% YoY-5.4% QoQ
|
-5.9K |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$136.7M
-2.2% YoY-1.5% QoQ
|
$-94.6M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$13.0M
-3.9% YoY-1.9% QoQ
|
$-134.8M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.1% in tier |
| Deposits |
$84.1M
-11.1% YoY-3.7% QoQ
|
$-116.2M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.6% in tier |
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| ROA |
3.0%
+14.3% YoY+5.2% QoQ
|
+2.2% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 0.4% in tier |
| NIM |
4.1%
+16.2% YoY+0.5% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
23.2%
-9.5% YoY-2.6% QoQ
|
-54.1% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
2.1%
+1.2% YoY+22.1% QoQ
|
+1.2 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 5.7% in tier |
| Loan To Share |
15.5%
+8.2% YoY+1.9% QoQ
|
-57.2% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.3% in tier |
| AMR |
$9,979
+33.6% YoY+2.0% QoQ
|
$-14K |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growth
#5 of 481 • Top 0.8% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
33.55%
(Tier:
3.68%, National:
4.19%)
481 of 1077 Community CUs have this signature |
620 nationally
↑ Growing
+201 CUs YoY
|
New qualifier
Profitability Leader
growth
#4 of 340 • Top 0.9% in tier
Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Why This Signature
Return on Assets:
2.95%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
0.37% points
(Tier:
0.11% points, National:
0.05% points)
340 of 1077 Community CUs have this signature |
457 nationally
→ Stable (341→340 CUs)
-1 CUs YoY
|
Rank improving
Concerns (5)
Liquidity Overhang
risk
#1 of 134 • Bottom 0.0% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
35.92%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
15.47%
(Tier:
74.56%, National:
67.96%)
134 of 1077 Community CUs have this signature |
155 nationally
↑ Growing
+25 CUs YoY
Membership Headwinds
decline
#3 of 550 • Bottom 0.1% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-32.78%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature |
648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Stagnation Risk
risk
#22 of 550 • Bottom 1.3% in tier
Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Why This Signature
Member Growth (YoY):
-32.78%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.89%
(Tier:
3.65%, National:
36.38%)
Delinquency Rate:
2.10%
(Tier:
0.85%, National:
1.23%)
550 of 1077 Community CUs have this signature |
648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#74 of 256 • Bottom 9.3% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$136.71M
(Tier: $331.87M, National: $547.69M)
Member Growth (YoY):
-32.78%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.89%
(Tier:
3.65%, National:
36.38%)
256 of 1077 Community CUs have this signature |
293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#666 of 736 • Bottom 26.9% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.03% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature |
1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
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 (10 metrics)
1
Efficiency Ratio
profitability
Value:
23.17%
Peer Avg: -
#1 of 1077
Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 1077
Top 0.0% in 100M-500M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 1077
Top 0.0% in 100M-500M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 1077
Top 0.0% in 100M-500M tier
2
Net Charge-Off Rate
risk
Value:
-0.12%
Peer Avg: -
#2 of 1077
Top 0.1% in 100M-500M tier
2
Net Worth Ratio
risk
Value:
35.92%
Peer Avg: -
#2 of 1077
Top 0.1% in 100M-500M tier
3
Members Per Employee (MPE)
engagement
Value:
1081.556
Peer Avg: -
#3 of 1077
Top 0.2% in 100M-500M tier
4
Return on Assets (ROA)
profitability
Value:
2.95%
Peer Avg: -
#4 of 1077
Top 0.3% in 100M-500M tier
4
AMR Growth Rate
growth
Value:
33.55%
Peer Avg: -
#4 of 1077
Top 0.3% in 100M-500M tier
205
Net Interest Margin (NIM)
profitability
Value:
4.15%
Peer Avg: -
#205 of 1077
Top 18.9% in 100M-500M tier
Top Weaknesses (12 metrics)
1077
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,337
Peer Avg: -
#1077 of 1077
Bottom 0.1% in 100M-500M tier
1076
Fee Income Per Member
profitability
Value:
$0.85
Peer Avg: -
#1076 of 1077
Bottom 0.2% in 100M-500M tier
1076
Total Loans
balance_sheet
Value:
$13.02M
Peer Avg: -
#1076 of 1077
Bottom 0.2% in 100M-500M tier
1075
Average Member Relationship (AMR)
engagement
Value:
$9,979
Peer Avg: -
#1075 of 1077
Bottom 0.3% in 100M-500M tier
1074
Loan-to-Share Ratio
balance_sheet
Value:
15.47%
Peer Avg: -
#1074 of 1077
Bottom 0.4% in 100M-500M tier
1072
Member Growth Rate
growth
Value:
-32.78%
Peer Avg: -
#1072 of 1077
Bottom 0.6% in 100M-500M tier
1072
Deposit Growth Rate
growth
Value:
-11.13%
Peer Avg: -
#1072 of 1077
Bottom 0.6% in 100M-500M tier
1070
Total Deposits
balance_sheet
Value:
$84.12M
Peer Avg: -
#1070 of 1077
Bottom 0.7% in 100M-500M tier
1017
Total Delinquency Rate (60+ days)
risk
Value:
2.10%
Peer Avg: -
#1017 of 1077
Bottom 5.7% in 100M-500M tier
976
Asset Growth Rate
growth
Value:
-2.19%
Peer Avg: -
#976 of 1077
Bottom 9.5% in 100M-500M tier