BlastPoint's Credit Union Scorecard
COWETA CITIES & COUNTY EMPLOYEES
Charter #20509 · GA
COWETA CITIES & COUNTY EMPLOYEES has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Strong member growth: 8.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.1% in tier
- + Efficiency Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,300
+8.3% YoY+0.1% QoQ
|
+674 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$27.8M
-0.5% YoY-0.6% QoQ
|
$-2.1M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$9.9M
+0.1% YoY+0.6% QoQ
|
$-5.8M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$22.3M
-2.7% YoY-1.2% QoQ
|
$-3.1M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
1.6%
-25.3% YoY-12.8% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
3.6%
-10.6% YoY-5.0% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
55.4%
+15.5% YoY+7.0% QoQ
|
-26.0% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate |
0.0%
-31.1% YoY-57.6% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
44.4%
+3.0% YoY+1.8% QoQ
|
-16.8% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$9,770
-9.4% YoY-0.8% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
16.6%
+24.9% YoY+4.0% QoQ
|
-7.9% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)