BlastPoint's Credit Union Scorecard
WALKER COUNTY EDUCATORS
Charter #20610 · GA
WALKER COUNTY EDUCATORS faces 1 concern requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.83% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits +6.6% year over year ($11.4M in shares and deposits).
- Membership: 1,386 members, -1.6% vs a year ago.
- Delinquency rate 0.03%.
- Return on assets 0.66%.
- Efficiency ratio 83.45% vs a 88.77% peer average.
- Loan-to-share ratio 73.42% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,386
-1.6% YoY-0.4% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$15.1M
+5.4% YoY+1.3% QoQ
|
$-15.1M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$8.4M
+1.3% YoY+5.4% QoQ
|
$-7.1M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$11.4M
+6.6% YoY+1.7% QoQ
|
$-14.4M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.7%
-51.6% YoY-20.8% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
3.8%
-9.7% YoY+0.0% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
83.5%
+25.0% YoY+5.6% QoQ
|
-5.3% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.0%
-52.3% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Top 14.7% in tier |
| Loan To Share |
73.4%
-4.9% YoY+3.7% QoQ
|
+14.5% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$14,243
+6.0% YoY+3.7% QoQ
|
$-719 |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
35.6%
+21.9% YoY-1.3% QoQ
|
+11.0% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)