BlastPoint's Credit Union Scorecard

WALKER COUNTY EDUCATORS

Charter #20610 · GA

<100M
2508 CUs in <100M nationally 42 in GA

WALKER COUNTY EDUCATORS demonstrates 1 strength

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.69% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 1,392
-1.4% YoY-0.1% QoQ
-1.3K 2,676
+1.6% YoY
31,952
+7.2% YoY
33,913
+5.7% YoY
38%
Assets $14.9M
+6.2% YoY+5.2% QoQ
$-15.3M $30.2M
+1.3% YoY
$522.8M
+8.6% YoY
$578.3M
+9.0% YoY
41%
Loans $7.9M
-1.7% YoY-2.6% QoQ
$-7.4M $15.3M
-2.0% YoY
$353.5M
+11.3% YoY
$402.4M
+8.7% YoY
46%
Deposits $11.2M
+7.3% YoY+7.1% QoQ
$-14.6M $25.8M
+0.7% YoY
$449.3M
+7.5% YoY
$494.3M
+9.1% YoY
38%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.8%
-45.0% YoY-25.0% QoQ
+0.7% 0.1%
-77.6% YoY
-0.2%
-137.4% YoY
0.4%
-39.2% YoY
62%
NIM 3.8%
-9.5% YoY-9.8% QoQ
-0.2% 4.0%
+4.0% YoY
3.6%
-10.9% YoY
3.8%
+4.1% YoY
49%
Efficiency Ratio 79.0%
+24.9% YoY+6.0% QoQ
-11.6% 90.6%
+6.5% YoY
81.8%
+0.6% YoY
84.6%
+2.8% YoY
44%
Delinquency Rate 0.1%
-1.0% YoY-72.3% QoQ
-1.4 1.5%
+3.8% YoY
1.7%
+76.5% YoY
1.2%
+3.4% YoY
18%
Loan To Share 70.8%
-8.3% YoY-9.1% QoQ
+12.3% 58.5%
-3.0% YoY
70.0%
+1.3% YoY
65.6%
-1.4% YoY
69%
AMR $13,739
+4.8% YoY+3.0% QoQ
$-1K $14,884
-1.7% YoY
$17,441
+2.7% YoY
$19,920
+1.6% YoY
49%
CD Concentration 36.0%
+21.8% YoY+12.1% QoQ
+11.8% 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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
269
Net Worth Ratio
risk
Value: 25.00%
Peer Median: 14.28%
#269 of 2508 Top 10.7% in <100M tier
373
Deposit Growth Rate
growth
Value: 7.26%
Peer Median: 0.66%
#373 of 2508 Top 14.8% in <100M tier
449
Total Delinquency Rate (60+ days)
risk
Value: 0.06%
Peer Median: 0.65%
#449 of 2508 Top 17.9% in <100M tier
459
Asset Growth Rate
growth
Value: 6.20%
Peer Median: 1.30%
#459 of 2508 Top 18.3% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (1 metrics)

2247
Share Certificate Concentration (%)
balance_sheet
Value: 36.05%
Peer Median: 12.45%
#2247 of 2508 Bottom 10.4% in <100M tier
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