BlastPoint's Credit Union Scorecard
STEPHENS COUNTY COMMUNITY
Charter #20890 · GA
2556 CUs in <100M nationally
42 in GA
STEPHENS COUNTY COMMUNITY has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 1.50% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 1.1% in tier
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Total Loans: Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 1.6% in tier
- - Total Members: Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 4.0% in tier
- - Fee Income Per Member: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
114
-0.9% YoY-0.9% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 1.8% in tier |
| Assets |
$152,091
-0.8% YoY-2.9% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.7% in tier |
| Loans |
$24,081
+5.9% YoY-5.9% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.4% in tier |
| Deposits |
$132,798
-0.8% YoY-0.8% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.0% in tier |
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| ROA |
0.2%
-92.3% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
1.2%
+11.8% YoY-60.3% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
84.1%
-15.9% YoY+509.6% QoQ
|
+1.5% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
18.1%
+6.7% YoY-5.1% QoQ
|
-42.5% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.8% in tier |
| AMR |
$1,376
+1.0% YoY-0.8% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
488
Loan Growth Rate
growth
Value:
5.88%
Peer Median: -
#488 of 2556
Top 19.1% in <100M tier
Top Weaknesses (10 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2539
Total Assets
balance_sheet
Value:
$152,091
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2530
Total Deposits
balance_sheet
Value:
$132,798
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2524
Net Interest Margin (NIM)
profitability
Value:
1.20%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2521
Total Loans
balance_sheet
Value:
$24,081
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2516
Average Member Relationship (AMR)
engagement
Value:
$1,376
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2511
Total Members
engagement
Value:
114
Peer Median: -
#2511 of 2556
Bottom 1.8% in <100M tier
2510
Loan-to-Member Ratio (LMR)
engagement
Value:
$211.24
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2456
Loan-to-Share Ratio
balance_sheet
Value:
18.13%
Peer Median: -
#2456 of 2556
Bottom 4.0% in <100M tier
2353
Fee Income Per Member
profitability
Value:
$1.49
Peer Median: -
#2353 of 2556
Bottom 8.0% in <100M tier