BlastPoint's Credit Union Scorecard

COWETA CITIES & COUNTY EMPLOYEES

Charter #20509 · GA

<100M

2508 CUs in <100M nationally 42 in GA

COWETA CITIES & COUNTY EMPLOYEES has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.25% above tier average
+ Strong member growth: 8.1% YoY
+ Member Growth Rate: Top 4.3% in tier

Key Concerns

Areas that may need attention

- AMR Growth Rate: Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	3,295 +8.1% YoY-0.2% QoQ	+618	2,676 +1.6% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	72%
Assets	$27.7M -0.4% YoY-0.8% QoQ	$-2.5M	$30.2M +1.3% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	57%
Loans	$9.4M -2.9% YoY-3.3% QoQ	$-5.9M	$15.3M -2.0% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	50%
Deposits	$22.0M -2.5% YoY-1.5% QoQ	$-3.7M	$25.8M +0.7% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	55%

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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	1.4% -26.7% YoY-13.2% QoQ	+1.3%	0.1% -77.6% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	83%
NIM	3.5% -7.6% YoY-2.7% QoQ	-0.5%	4.0% +4.0% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	38%
Efficiency Ratio	60.7% +18.8% YoY+7.3% QoQ	-30.0%	90.6% +6.5% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	Top 12.8% in tier
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	Top 14.9% in tier
Loan To Share	42.5% -0.4% YoY-1.9% QoQ	-16.0%	58.5% -3.0% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	25%
AMR	$9,534 -9.9% YoY-1.9% QoQ	$-5K	$14,884 -1.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	26%
CD Concentration	18.3% +24.9% YoY+7.3% QoQ	-6.0%	24.3%	20.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

110

Member Growth Rate

growth

Value: 8.10%

Peer Median: -1.37%

#110 of 2508 Top 4.3% in <100M tier

259

Members Per Employee (MPE)

engagement

Value: 549.167

Peer Median: 333.750

#259 of 2508 Top 10.3% in <100M tier

321

Efficiency Ratio

profitability

Value: 60.67%

Peer Median: 81.45%

#321 of 2508 Top 12.8% in <100M tier

375

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: 0.65%

#375 of 2508 Top 14.9% in <100M tier

437

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: 0.61%

#437 of 2508 Top 17.4% in <100M tier

534

Net Worth Ratio

risk

Value: 20.26%

Peer Median: 14.28%

#534 of 2508 Top 21.3% in <100M tier

Top Weaknesses (4 metrics)

2328

AMR Growth Rate

growth

Value: -9.91%

Peer Median: 1.27%

#2328 of 2508 Bottom 7.2% in <100M tier

2079

Fee Income Per Member

profitability

Value: $7.27

Peer Median: $60.42

#2079 of 2508 Bottom 17.1% in <100M tier

1934

Loan-to-Member Ratio (LMR)

engagement

Value: $2,844

Peer Median: $4,923

#1934 of 2508 Bottom 22.9% in <100M tier

1882

Loan-to-Share Ratio

balance_sheet

Value: 42.51%

Peer Median: 58.72%

#1882 of 2508 Bottom 25.0% in <100M tier