BlastPoint's Credit Union Scorecard
STEPHENS COUNTY COMMUNITY
Charter #20890 · GA
STEPHENS COUNTY COMMUNITY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.16% above tier average
- + Net Interest Margin 0.10% above tier average
- + Efficiency Ratio: Top 0.1% in tier
- + Loan Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 12.29% above tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Total Loans: Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits -0.7% year over year ($133K in shares and deposits).
- Membership: 114 members, -0.9% vs a year ago.
- Delinquency rate 13.84%.
- Return on assets 3.65%.
- Efficiency ratio 14.96% vs a 88.77% peer average.
- Loan-to-share ratio 16.62% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
114
-0.9% YoY0% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Bottom 1.7% in tier |
| Assets |
$154,559
-0.9% YoY+1.5% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.6% in tier |
| Loans |
$22,095
+15.5% YoY-4.1% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.1% in tier |
| Deposits |
$132,963
-0.7% YoY+0.0% QoQ
|
$-25.7M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.8% in tier |
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| ROA |
3.7%
+15.2% YoY+138.2% QoQ
|
+2.2% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
Top 3.0% in tier |
| NIM |
4.0%
+13.9% YoY+91.2% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
15.0%
+23.6% YoY-57.3% QoQ
|
-73.8% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
13.8%
-71.8% QoQ
|
+12.3 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.4% in tier |
| Loan To Share |
16.6%
+16.3% YoY-4.2% QoQ
|
-42.3% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.6% in tier |
| AMR |
$1,360
+2.2% YoY-0.6% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.3% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)