BlastPoint's Credit Union Scorecard
STEPHENS COUNTY COMMUNITY
Charter #20890 · GA
<100M
2508 CUs in <100M nationally
42 in GA
STEPHENS COUNTY COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.39% above tier average
- + Efficiency Ratio: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 47.51% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 1.0% in tier
- - Total Loans: Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
114
-0.9% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Bottom 1.8% in tier |
| Assets |
$152,316
-1.1% YoY+0.1% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.7% in tier |
| Loans |
$23,051
+8.8% YoY-4.3% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.4% in tier |
| Deposits |
$132,938
-0.7% YoY+0.1% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.0% in tier |
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| ROA |
1.5%
+0.2% YoY+635.0% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Top 14.2% in tier |
| NIM |
2.1%
+12.5% YoY+74.4% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio |
35.0%
+56.2% YoY-58.3% QoQ
|
-55.6% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Top 1.4% in tier |
| Delinquency Rate | 49.0% | +47.5 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
17.3%
+9.6% YoY-4.4% QoQ
|
-41.2% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.9% in tier |
| AMR |
$1,368
+1.5% YoY-0.6% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.6% in tier |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
36
Efficiency Ratio
profitability
Value:
35.04%
Peer Median: 81.45%
#36 of 2508
Top 1.4% in <100M tier
298
Loan Growth Rate
growth
Value:
8.84%
Peer Median: -2.36%
#298 of 2508
Top 11.8% in <100M tier
357
Return on Assets (ROA)
profitability
Value:
1.53%
Peer Median: 0.61%
#357 of 2508
Top 14.2% 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 (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2494
Total Delinquency Rate (60+ days)
risk
Value:
49.01%
Peer Median: 0.65%
#2494 of 2508
Bottom 0.6% in <100M tier
2491
Total Assets
balance_sheet
Value:
$152,316
Peer Median: $21.86M
#2491 of 2508
Bottom 0.7% in <100M tier
2484
Total Deposits
balance_sheet
Value:
$132,938
Peer Median: $18.77M
#2484 of 2508
Bottom 1.0% in <100M tier
2473
Total Loans
balance_sheet
Value:
$23,051
Peer Median: $9.48M
#2473 of 2508
Bottom 1.4% in <100M tier
2469
Average Member Relationship (AMR)
engagement
Value:
$1,368
Peer Median: $13,926
#2469 of 2508
Bottom 1.6% in <100M tier
2466
Loan-to-Member Ratio (LMR)
engagement
Value:
$202.20
Peer Median: $4,923
#2466 of 2508
Bottom 1.7% in <100M tier
2463
Total Members
engagement
Value:
114
Peer Median: 1,918
#2463 of 2508
Bottom 1.8% in <100M tier
2409
Loan-to-Share Ratio
balance_sheet
Value:
17.34%
Peer Median: 58.72%
#2409 of 2508
Bottom 4.0% in <100M tier
2406
Net Interest Margin (NIM)
profitability
Value:
2.09%
Peer Median: 3.83%
#2406 of 2508
Bottom 4.1% in <100M tier