BlastPoint's Credit Union Scorecard

AFLAC

Charter #16096 · GA

100M-500M

1070 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 1.91% above tier average
+ Net Interest Margin 0.06% above tier average
+ Efficiency Ratio: Top 0.1% in tier
+ Net Worth Ratio: Top 0.1% in tier
+ Members Per Employee (MPE): Top 0.2% in tier
+ Net Charge-Off Rate: Top 1.6% 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
- Institutional Decline: Bottom 50.0% in tier
- Delinquency rate 0.76% above tier average
- Member decline: -12.3% YoY
- Loan-to-Member Ratio (LMR): Bottom 0.1% in tier
- Total Loans: Bottom 0.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	9,446 -12.3% YoY-1.6% QoQ	-5.7K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	28%
Assets	$137.4M -1.6% YoY+1.3% QoQ	$-94.3M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	24%
Loans	$12.5M -4.5% YoY-5.7% QoQ	$-131.6M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	Bottom 0.1% in tier
Deposits	$82.9M -7.0% YoY+0.6% QoQ	$-118.2M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	Bottom 0.6% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	2.6% +6.5% YoY-8.6% QoQ	+1.9%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	Top 0.8% in tier
NIM	3.7% -11.0% YoY-10.2% QoQ	+0.1%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	20.3% -17.1% YoY-21.4% QoQ	-57.7%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	Top 0.1% in tier
Delinquency Rate	1.5% -33.1% YoY+2.3% QoQ	+0.8	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	Bottom 10.5% in tier
Loan To Share	15.1% +2.7% YoY-6.3% QoQ	-55.3%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	Bottom 0.3% in tier
AMR	$10,104 +6.3% YoY+1.3% QoQ	$-15K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	Bottom 0.1% in tier
CD Concentration	0.0%	-24.3%	24.3%	20.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#343 of 491 • 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): 6.32%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Liquidity Overhang

risk

#1 of 126 • 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: 37.15%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 15.09%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Stagnation Risk

risk

#11 of 570 • 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): -12.26%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.55%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.53%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#24 of 570 • 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): -12.26%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#68 of 250 • 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: $137.41M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -12.26%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.55%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Efficiency Ratio

profitability

Value: 20.32%

Peer Median: 78.68%

#1 of 1070 Top 0.1% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.47%

#1 of 1070 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.10%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 37.15%

Peer Median: 11.45%

#2 of 1070 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 1049.556

Peer Median: 309.176

#3 of 1070 Top 0.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.64%

Peer Median: 0.69%

#9 of 1070 Top 0.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.05%

Peer Median: 0.35%

#18 of 1070 Top 1.6% in 100M-500M tier

265

AMR Growth Rate

growth

Value: 6.32%

Peer Median: 3.46%

#265 of 1070 Top 24.7% in 100M-500M tier

Top Weaknesses (12 metrics)

1070

Loan-to-Member Ratio (LMR)

engagement

Value: $1,325

Peer Median: $9,356

#1070 of 1070 Bottom 0.1% in 100M-500M tier

1069

Total Loans

balance_sheet

Value: $12.52M

Peer Median: $121.41M

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1069

Average Member Relationship (AMR)

engagement

Value: $10,104

Peer Median: $22,931

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1067

Loan-to-Share Ratio

balance_sheet

Value: 15.09%

Peer Median: 71.88%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1064

Fee Income Per Member

profitability

Value: $0.00

Peer Median: $154.95

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1064

Total Deposits

balance_sheet

Value: $82.93M

Peer Median: $171.29M

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1048

Member Growth Rate

growth

Value: -12.26%

Peer Median: -0.06%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1048

Deposit Growth Rate

growth

Value: -7.03%

Peer Median: 3.30%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

964

Asset Growth Rate

growth

Value: -1.64%

Peer Median: 3.91%

#964 of 1070 Bottom 10.0% in 100M-500M tier

959

Total Delinquency Rate (60+ days)

risk

Value: 1.53%

Peer Median: 0.61%

#959 of 1070 Bottom 10.5% in 100M-500M tier