BlastPoint's Credit Union Scorecard
STEPHENS COUNTY COMMUNITY
Charter #20890 · GA
2596 CUs in <100M nationally
43 in GA
STEPHENS COUNTY COMMUNITY has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.02% above tier average
- + 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
- + Efficiency Ratio: Top 0.2% in tier
- + Loan Growth Rate: Top 1.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 1.1% in tier
- - Total Loans: Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Total Members: Bottom 1.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
115
0% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 1.8% in tier |
| Assets |
$156,555
+2.3% YoY+0.4% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.7% in tier |
| Loans |
$25,601
+30.4% YoY+33.8% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.5% in tier |
| Deposits |
$133,913
+1.0% YoY-0.0% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.1% in tier |
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| ROA |
2.7%
+67.6% YoY-14.7% QoQ
|
+2.0% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 2.9% in tier |
| NIM |
3.0%
+47.4% YoY-13.9% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
13.8%
-45.5% YoY+14.0% QoQ
|
-67.6% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
19.1%
+29.1% YoY+33.8% QoQ
|
-42.1% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.0% in tier |
| AMR |
$1,387
+4.8% YoY+4.2% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
7
Efficiency Ratio
profitability
Value:
13.79%
Peer Avg: -
#7 of 2596
Top 0.2% in <100M tier
34
Loan Growth Rate
growth
Value:
30.40%
Peer Avg: -
#34 of 2596
Top 1.3% in <100M tier
76
Return on Assets (ROA)
profitability
Value:
2.71%
Peer Avg: -
#76 of 2596
Top 2.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2579
Total Assets
balance_sheet
Value:
$156,555
Peer Avg: -
#2579 of 2596
Bottom 0.7% in <100M tier
2568
Total Deposits
balance_sheet
Value:
$133,913
Peer Avg: -
#2568 of 2596
Bottom 1.1% in <100M tier
2557
Total Loans
balance_sheet
Value:
$25,601
Peer Avg: -
#2557 of 2596
Bottom 1.5% in <100M tier
2551
Average Member Relationship (AMR)
engagement
Value:
$1,387
Peer Avg: -
#2551 of 2596
Bottom 1.8% in <100M tier
2548
Total Members
engagement
Value:
115
Peer Avg: -
#2548 of 2596
Bottom 1.9% in <100M tier
2544
Loan-to-Member Ratio (LMR)
engagement
Value:
$222.62
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2487
Loan-to-Share Ratio
balance_sheet
Value:
19.12%
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2359
Fee Income Per Member
profitability
Value:
$1.61
Peer Avg: -
#2359 of 2596
Bottom 9.2% in <100M tier
2108
Net Interest Margin (NIM)
profitability
Value:
3.02%
Peer Avg: -
#2108 of 2596
Bottom 18.8% in <100M tier