BlastPoint's Credit Union Scorecard
WALKER COUNTY EDUCATORS
Charter #20610 · GA
WALKER COUNTY EDUCATORS demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,394
-1.5% YoY-0.7% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$14.2M
+0.2% YoY-0.4% QoQ
|
$-15.9M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$8.1M
-1.1% YoY-1.8% QoQ
|
$-7.6M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$10.5M
-1.1% YoY-0.8% QoQ
|
$-15.2M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
1.1%
-10.9% YoY-17.2% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
4.2%
-2.6% YoY+0.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
74.6%
+6.4% YoY+9.2% QoQ
|
-8.0% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.2%
+78.6% YoY+140.5% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
77.9%
-0.0% YoY-1.0% QoQ
|
+17.3% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$13,341
+0.4% YoY-0.5% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
32.2%
+3.6% YoY+4.9% QoQ
|
+7.7% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)