BlastPoint's Credit Union Scorecard

GEOVISTA

Charter #16168 · GA

1077 CUs in 100M-500M nationally 20 in GA

GEOVISTA has 2 strengths but faces 16 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 73.1% in tier
+ Fee Income Per Member: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 5.8% in tier
- Institutional Decline: Bottom 7.9% in tier
- Stagnation Risk: Bottom 15.3% in tier
- Credit Quality Pressure: Bottom 15.4% in tier
- Indirect Auto Dependency: Bottom 24.2% in tier
- Efficiency Drag: Bottom 28.0% in tier
- ROA 0.21% below tier average
- Efficiency ratio 5.80% above tier (higher cost structure)
- Delinquency rate 0.18% above tier average
- Member decline: -5.7% YoY
- Loan-to-Member Ratio (LMR): Bottom 4.4% in tier
- Loan-to-Share Ratio: Bottom 7.6% in tier
- Member Growth Rate: Bottom 8.1% in tier
- Average Member Relationship (AMR): Bottom 8.2% in tier
- Net Worth Ratio: Bottom 8.9% in tier
- Net Charge-Off Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	22,002 -5.7% YoY-0.9% QoQ	+6.4K	15,628 -3.4% YoY	30,529 +3.7% YoY	33,089 +6.1% YoY	80%
Assets	$238.8M +2.8% YoY-0.9% QoQ	+$7.5M	$231.3M -0.0% YoY	$489.5M +5.8% YoY	$547.7M +7.8% YoY	61%
Loans	$101.7M -3.9% YoY+0.2% QoQ	$-46.1M	$147.8M -1.4% YoY	$335.0M +9.2% YoY	$388.7M +8.6% YoY	35%
Deposits	$216.8M +2.1% YoY-1.4% QoQ	+$16.6M	$200.3M -0.0% YoY	$419.7M +4.9% YoY	$464.6M +9.3% YoY	63%

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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	0.6% -46.9% YoY+70.4% QoQ	-0.2%	0.8% +15.5% YoY	1.1% +41.8% YoY	0.7% +273.4% YoY	38%
NIM	3.3% +4.0% YoY+2.2% QoQ	-0.2%	3.6% +6.9% YoY	4.2% +4.4% YoY	3.7% +5.0% YoY	35%
Efficiency Ratio	83.1% +7.6% YoY-3.3% QoQ	+5.8%	77.3% -3.0% YoY	76.7% +1.1% YoY	79.1% -3.3% YoY	71%
Delinquency Rate	1.0% +21.2% YoY+15.6% QoQ	+0.2	0.9% +7.6% YoY	1.3% +2.5% YoY	1.2% -0.9% YoY	72%
Loan To Share	46.9% -5.8% YoY+1.6% QoQ	-25.8%	72.7% -1.5% YoY	72.3% +1.1% YoY	68.0% -1.7% YoY	Bottom 7.5% in tier
AMR	$14,476 +6.2% YoY+0.0% QoQ	$-10K	$24,363 +2.9% YoY	$17,296 +4.1% YoY	$19,418 +1.3% YoY	Bottom 8.1% in tier
CD Concentration	16.4% +0.2% YoY+1.2% QoQ	-8.0%	24.4% +4.2% YoY	19.9% +4.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.9% -8.1% YoY-3.5% QoQ	+3.9%	14.0% -5.7% YoY	4.6% +4.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#352 of 481 • Top 73.1% in tier

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

Why This Signature

AMR Growth (YoY): 6.17%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (6)

Membership Headwinds

decline

#97 of 550 • Bottom 5.8% in tier

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

Why This Signature

Member Growth (YoY): -5.72%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#63 of 256 • Bottom 7.9% in tier

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

Why This Signature

Total Assets: $238.83M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -5.72%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.86%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk

#252 of 550 • Bottom 15.3% 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): -5.72%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.86%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.03%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#382 of 736 • Bottom 15.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#390 of 525 • Bottom 24.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.77%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.86%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -5.72%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk

#494 of 521 • Bottom 28.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.07%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.51% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -5.72%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

Fee Income Per Member

profitability

Value: $286.35

Peer Avg: -

#76 of 1077 Top 7.0% in 100M-500M tier

211

Total Members

engagement

Value: 22,002

Peer Avg: -

#211 of 1077 Top 19.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1031

Loan-to-Member Ratio (LMR)

engagement

Value: $4,620

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

996

Loan-to-Share Ratio

balance_sheet

Value: 46.88%

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

991

Member Growth Rate

growth

Value: -5.72%

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

990

Average Member Relationship (AMR)

engagement

Value: $14,476

Peer Avg: -

#990 of 1077 Bottom 8.2% in 100M-500M tier

982

Net Worth Ratio

risk

Value: 8.60%

Peer Avg: -

#982 of 1077 Bottom 8.9% in 100M-500M tier

974

Net Charge-Off Rate

risk

Value: 1.00%

Peer Avg: -

#974 of 1077 Bottom 9.7% in 100M-500M tier

895

Loan Growth Rate

growth

Value: -3.86%

Peer Avg: -

#895 of 1077 Bottom 17.0% in 100M-500M tier