BlastPoint's Credit Union Scorecard

COCA-COLA

Charter #17017 · GA

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

COCA-COLA has 5 strengths but faces 11 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 4.8% in tier
+ Organic Growth Engine: Top 15.2% in tier
+ Net Interest Margin 0.02% above tier average
+ Strong member growth: 5.8% YoY
+ Member Growth Rate: Top 7.6% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 1.1% in tier
- Credit Quality Pressure: Bottom 6.6% in tier
- Deposit Outflow: Bottom 13.8% in tier
- Efficiency Drag: Bottom 22.1% in tier
- ROA 0.33% below tier average
- Efficiency ratio 7.78% above tier (higher cost structure)
- Asset Growth Rate: Bottom 0.7% in tier
- AMR Growth Rate: Bottom 1.0% in tier
- Deposit Growth Rate: Bottom 1.6% in tier
- Loan Growth Rate: Bottom 1.9% in tier
- Fee Income Per Member: Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	14,313 +5.8% YoY+1.4% QoQ	-1.3K	15,628 -3.4% YoY	30,529 +3.7% YoY	33,089 +6.1% YoY	54%
Assets	$206.1M -9.7% YoY-3.5% QoQ	$-25.2M	$231.3M -0.0% YoY	$489.5M +5.8% YoY	$547.7M +7.8% YoY	53%
Loans	$143.4M -12.6% YoY-3.9% QoQ	$-4.4M	$147.8M -1.4% YoY	$335.0M +9.2% YoY	$388.7M +8.6% YoY	58%
Deposits	$173.8M -8.3% YoY-4.7% QoQ	$-26.5M	$200.3M -0.0% YoY	$419.7M +4.9% YoY	$464.6M +9.3% YoY	50%

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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	0.5% -32.0% YoY+30.1% QoQ	-0.3%	0.8% +15.5% YoY	1.1% +41.8% YoY	0.7% +273.4% YoY	29%
NIM	3.6% +10.8% YoY+7.3% QoQ	+0.0%	3.6% +6.9% YoY	4.2% +4.4% YoY	3.7% +5.0% YoY	51%
Efficiency Ratio	85.1% +11.5% YoY-0.9% QoQ	+7.8%	77.3% -3.0% YoY	76.7% +1.1% YoY	79.1% -3.3% YoY	77%
Delinquency Rate	0.8% +126.6% YoY+137.4% QoQ	-0.1	0.9% +7.6% YoY	1.3% +2.5% YoY	1.2% -0.9% YoY	59%
Loan To Share	82.5% -4.7% YoY+0.7% QoQ	+9.8%	72.7% -1.5% YoY	72.3% +1.1% YoY	68.0% -1.7% YoY	69%
AMR	$22,162 -15.2% YoY-5.7% QoQ	$-2K	$24,363 +2.9% YoY	$17,296 +4.1% YoY	$19,418 +1.3% YoY	48%
CD Concentration	17.0% -9.4% YoY-1.7% QoQ	-7.4%	24.4% +4.2% YoY	19.9% +4.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	6.7% -13.8% QoQ	-7.2%	14.0% -5.7% YoY	4.6% +4.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#64 of 430 • Top 4.8% in tier

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

Why This Signature

Member Growth (YoY): 5.80%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 6.74%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#279 of 603 • Top 15.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.80%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.46%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 6.74%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Shrinking Wallet Share

decline

#12 of 244 • Bottom 1.1% in tier

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

Why This Signature

AMR Growth (YoY): -15.18%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Credit Quality Pressure

risk

#165 of 736 • Bottom 6.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.44% 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 | New qualifier

Deposit Outflow

decline

#12 of 81 • Bottom 13.8% 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): -8.27%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 5.80%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

Efficiency Drag

risk

#391 of 521 • Bottom 22.1% in tier

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

Why This Signature

Efficiency Ratio: 85.05%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.22% points

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

worse than tier avg

Member Growth (YoY): 5.80%

(Tier: 0.88%, National: 9.37%)

but better 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)

Member Growth Rate

growth

Value: 5.80%

Peer Avg: -

#83 of 1077 Top 7.6% in 100M-500M tier

260

Net Worth Ratio

risk

Value: 13.65%

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1070

Asset Growth Rate

growth

Value: -9.68%

Peer Avg: -

#1070 of 1077 Bottom 0.7% in 100M-500M tier

1067

AMR Growth Rate

growth

Value: -15.18%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1061

Deposit Growth Rate

growth

Value: -8.27%

Peer Avg: -

#1061 of 1077 Bottom 1.6% in 100M-500M tier

1057

Loan Growth Rate

growth

Value: -12.55%

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

994

Fee Income Per Member

profitability

Value: $81.77

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

830

Efficiency Ratio

profitability

Value: 85.05%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier

819

First Mortgage Concentration (%)

balance_sheet

Value: 42.28%

Peer Avg: -

#819 of 1077 Bottom 24.0% in 100M-500M tier