BlastPoint's Credit Union Scorecard

COCA-COLA

Charter #17017 · GA

1069 CUs in 100M-500M nationally 20 in GA

COCA-COLA has 6 strengths but faces 10 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

+ Organic Growth Leader: Top 19.8% in tier
+ Organic Growth Engine: Top 48.5% in tier
+ Emerging Performer: Top 74.6% in tier
+ Net Interest Margin 0.07% above tier average
+ Strong member growth: 5.0% YoY
+ Member Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 4.3% in tier
- Deposit Outflow: Bottom 20.6% in tier
- Efficiency Drag: Bottom 67.4% in tier
- Credit Quality Pressure: Bottom 82.5% in tier
- ROA 0.25% below tier average
- Efficiency ratio 7.47% above tier (higher cost structure)
- Loan Growth Rate: Bottom 0.7% in tier
- AMR Growth Rate: Bottom 0.8% in tier
- Asset Growth Rate: Bottom 1.1% in tier
- Deposit Growth Rate: Bottom 3.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	14,429 +5.0% YoY+0.8% QoQ	-1.0K	15,437 -2.9% YoY	30,943 +6.6% YoY	33,374 +5.7% YoY	56%
Assets	$202.2M -7.6% YoY-1.9% QoQ	$-29.7M	$231.9M +1.3% YoY	$501.1M +9.5% YoY	$561.6M +9.7% YoY	51%
Loans	$137.2M -14.3% YoY-4.3% QoQ	$-10.1M	$147.3M -0.1% YoY	$341.6M +10.9% YoY	$397.0M +8.8% YoY	56%
Deposits	$170.0M -5.0% YoY-2.2% QoQ	$-30.8M	$200.8M +0.8% YoY	$429.0M +7.8% YoY	$477.3M +9.7% YoY	50%

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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	0.5% -24.2% YoY+11.4% QoQ	-0.2%	0.8% +18.2% YoY	0.9% +34.6% YoY	0.7% +15.9% YoY	32%
NIM	3.7% +10.0% YoY+2.1% QoQ	+0.1%	3.6% +6.7% YoY	4.1% +4.4% YoY	3.8% +5.1% YoY	54%
Efficiency Ratio	84.5% +8.9% YoY-0.7% QoQ	+7.5%	77.0% -3.1% YoY	77.1% -0.1% YoY	79.7% -3.3% YoY	77%
Delinquency Rate	0.6% +11.6% YoY-29.0% QoQ	-0.3	0.9% +4.2% YoY	1.2% -6.4% YoY	1.3% -2.1% YoY	38%
Loan To Share	80.7% -9.7% YoY-2.1% QoQ	+8.5%	72.2% -1.1% YoY	72.9% +1.7% YoY	67.4% -1.7% YoY	66%
AMR	$21,292 -13.7% YoY-3.9% QoQ	$-3K	$24,676 +3.4% YoY	$17,497 +5.6% YoY	$19,687 +2.0% YoY	42%
CD Concentration	18.1% -12.9% YoY+6.3% QoQ	-6.4%	24.4%	20.5%	19.8%	50%
Indirect Auto %	6.0% -10.9% QoQ	-7.8%	13.8%	4.4%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#85 of 426 • Top 19.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 6.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#289 of 595 • Top 48.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.51%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 6.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#136 of 182 • Top 74.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.51%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 5.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#10 of 208 • Bottom 4.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -13.74%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Deposit Outflow

decline

#15 of 69 • Bottom 20.6% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -5.04%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 5.04%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Efficiency Drag

risk

#363 of 538 • Bottom 67.4% in tier

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

Why This Signature

Efficiency Ratio: 84.49%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 5.04%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Quality Pressure

risk

#582 of 705 • Bottom 82.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (3 metrics)

105

Member Growth Rate

growth

Value: 5.04%

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

233

Net Worth Ratio

risk

Value: 14.05%

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

257

Members Per Employee (MPE)

engagement

Value: 379.711

Peer Median: -

#257 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1063

Loan Growth Rate

growth

Value: -14.26%

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

1061

AMR Growth Rate

growth

Value: -13.74%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

1058

Asset Growth Rate

growth

Value: -7.63%

Peer Median: -

#1058 of 1069 Bottom 1.1% in 100M-500M tier

1037

Deposit Growth Rate

growth

Value: -5.04%

Peer Median: -

#1037 of 1069 Bottom 3.1% in 100M-500M tier

963

Fee Income Per Member

profitability

Value: $88.86

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

832

First Mortgage Concentration (%)

balance_sheet

Value: 43.26%

Peer Median: -

#832 of 1069 Bottom 22.3% in 100M-500M tier

820

Efficiency Ratio

profitability

Value: 84.49%

Peer Median: -

#820 of 1069 Bottom 23.4% in 100M-500M tier