BlastPoint's Credit Union Scorecard
GEOVISTA
Charter #16168 · GA
GEOVISTA has 2 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 79.9% in tier
- + Fee Income Per Member: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 10.3% in tier
- - Membership Headwinds: Bottom 21.5% in tier
- - Institutional Decline: Bottom 28.5% in tier
- - Credit Quality Pressure: Bottom 36.8% in tier
- - Indirect Auto Dependency: Bottom 85.2% in tier
- - Efficiency Drag: Bottom 94.2% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 6.26% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
- - Member decline: -5.4% YoY
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Net Worth Ratio: Bottom 8.0% in tier
- - Net Charge-Off Rate: Bottom 8.2% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
- - Member Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,793
-5.4% YoY-0.9% QoQ
|
+6.4K |
15,437
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$243.9M
+2.7% YoY+2.1% QoQ
|
+$12.0M |
$231.9M
+1.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$100.4M
-3.8% YoY-1.2% QoQ
|
$-46.9M |
$147.3M
-0.1% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$222.0M
+2.4% YoY+2.4% QoQ
|
+$21.2M |
$200.8M
+0.8% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.5%
-51.8% YoY-8.9% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.3%
+3.8% YoY-0.8% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
83.3%
+8.0% YoY+0.2% QoQ
|
+6.3% |
77.0%
-3.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.1%
+34.7% YoY+8.7% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
45.2%
-6.0% YoY-3.5% QoQ
|
-27.0% |
72.2%
-1.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.6% in tier |
| AMR |
$14,794
+6.1% YoY+2.2% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
16.0%
-2.2% YoY-2.4% QoQ
|
-8.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % |
17.0%
-8.8% YoY-4.8% QoQ
|
+3.2% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)