BlastPoint's Credit Union Scorecard
AFLAC
Charter #16096 · GA
1069 CUs in 100M-500M nationally
20 in GA
AFLAC has 10 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 40.6% in tier
- + ROA 2.12% above tier average
- + Net Interest Margin 0.50% 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
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.0% in tier
- - Stagnation Risk: Bottom 2.5% in tier
- - Membership Headwinds: Bottom 3.2% in tier
- - Institutional Decline: Bottom 32.6% in tier
- - Delinquency rate 0.61% above tier average
- - Member decline: -14.7% YoY
- - Total Loans: Bottom 0.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.1% in tier
- - Fee Income Per Member: Bottom 0.2% in tier
- - Loan-to-Share Ratio: Bottom 0.3% in tier
- - Average Member Relationship (AMR): Bottom 0.3% in tier
- - Total Deposits: Bottom 0.7% in tier
- - Deposit Growth Rate: Bottom 1.0% in tier
- - Member Growth Rate: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,596
-14.7% YoY-1.4% QoQ
|
-5.8K |
15,437
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$135.7M
+0.1% YoY-0.7% QoQ
|
$-96.2M |
$231.9M
+1.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$13.3M
-3.5% YoY+2.0% QoQ
|
$-134.1M |
$147.3M
-0.1% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.0% in tier |
| Deposits |
$82.4M
-8.0% YoY-2.0% QoQ
|
$-118.4M |
$200.8M
+0.8% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.6% in tier |
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| ROA |
2.9%
+7.4% YoY-2.3% QoQ
|
+2.1% |
0.8%
+18.2% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 0.5% in tier |
| NIM |
4.1%
+8.3% YoY-1.0% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
25.8%
-4.9% YoY+11.6% QoQ
|
-51.2% |
77.0%
-3.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
1.5%
-59.6% YoY-28.6% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 13.8% in tier |
| Loan To Share |
16.1%
+4.8% YoY+4.1% QoQ
|
-56.1% |
72.2%
-1.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.2% in tier |
| AMR |
$9,972
+8.6% YoY-0.1% QoQ
|
$-15K |
$24,676
+3.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growth
#209 of 513 • Top 40.6% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
8.56%
(Tier:
4.17%, National:
4.00%)
513 of 1069 Mid-Small & Community CUs have this signature |
662 nationally
↑ Growing
+180 CUs YoY
|
Rank worsening
Concerns (4)
Liquidity Overhang
risk
#1 of 135 • Bottom 0.0% in tier
Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
36.83%
(Tier:
11.97%, National:
14.49%)
Loan-to-Share Ratio:
16.11%
(Tier:
74.08%, National:
67.44%)
135 of 1069 Mid-Small & Community CUs have this signature |
155 nationally
↑ Growing
+17 CUs YoY
Stagnation Risk
risk
#15 of 554 • Bottom 2.5% 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):
-14.67%
(Tier:
0.69%, National:
4.32%)
Loan Growth (YoY):
-3.52%
(Tier:
4.11%, National:
111.96%)
Delinquency Rate:
1.50%
(Tier:
0.89%, National:
1.28%)
554 of 1069 Mid-Small & Community CUs have this signature |
652 nationally
→ No prior data (554 CUs now)
|
New qualifier
Membership Headwinds
decline
#19 of 554 • Bottom 3.2% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-14.67%
(Tier:
0.69%, National:
4.32%)
554 of 1069 Mid-Small & Community CUs have this signature |
652 nationally
→ No prior data (554 CUs now)
|
New qualifier
Institutional Decline
decline
#79 of 240 • Bottom 32.6% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$135.71M
(Tier: $334.15M, National: $561.61M)
Member Growth (YoY):
-14.67%
(Tier:
0.69%, National:
4.32%)
Loan Growth (YoY):
-3.52%
(Tier:
4.11%, National:
111.96%)
240 of 1069 Mid-Small & Community CUs have this signature |
277 nationally
→ No prior data (240 CUs now)
|
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:
25.85%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
2
Net Charge-Off Rate
risk
Value:
-0.08%
Peer Median: -
#2 of 1069
Top 0.1% in 100M-500M tier
2
Net Worth Ratio
risk
Value:
36.83%
Peer Median: -
#2 of 1069
Top 0.1% in 100M-500M tier
3
Members Per Employee (MPE)
engagement
Value:
1066.222
Peer Median: -
#3 of 1069
Top 0.2% in 100M-500M tier
5
Return on Assets (ROA)
profitability
Value:
2.88%
Peer Median: -
#5 of 1069
Top 0.4% in 100M-500M tier
167
AMR Growth Rate
growth
Value:
8.56%
Peer Median: -
#167 of 1069
Top 15.5% in 100M-500M tier
236
Net Interest Margin (NIM)
profitability
Value:
4.11%
Peer Median: -
#236 of 1069
Top 22.0% in 100M-500M tier
Top Weaknesses (12 metrics)
1069
Total Loans
balance_sheet
Value:
$13.28M
Peer Median: -
#1069 of 1069
Bottom 0.1% in 100M-500M tier
1069
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,384
Peer Median: -
#1069 of 1069
Bottom 0.1% in 100M-500M tier
1068
Fee Income Per Member
profitability
Value:
$0.75
Peer Median: -
#1068 of 1069
Bottom 0.2% in 100M-500M tier
1067
Loan-to-Share Ratio
balance_sheet
Value:
16.11%
Peer Median: -
#1067 of 1069
Bottom 0.3% in 100M-500M tier
1067
Average Member Relationship (AMR)
engagement
Value:
$9,972
Peer Median: -
#1067 of 1069
Bottom 0.3% in 100M-500M tier
1063
Total Deposits
balance_sheet
Value:
$82.41M
Peer Median: -
#1063 of 1069
Bottom 0.7% in 100M-500M tier
1059
Deposit Growth Rate
growth
Value:
-7.96%
Peer Median: -
#1059 of 1069
Bottom 1.0% in 100M-500M tier
1052
Member Growth Rate
growth
Value:
-14.67%
Peer Median: -
#1052 of 1069
Bottom 1.7% in 100M-500M tier
923
Total Delinquency Rate (60+ days)
risk
Value:
1.50%
Peer Median: -
#923 of 1069
Bottom 13.8% in 100M-500M tier
902
Asset Growth Rate
growth
Value:
0.09%
Peer Median: -
#902 of 1069
Bottom 15.7% in 100M-500M tier