BlastPoint's Credit Union Scorecard
B.O.N.D. COMMUNITY
Charter #20974 · GA
B.O.N.D. COMMUNITY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 1.68% above tier average
- + Loan-to-Member Ratio (LMR): Top 5.5% in tier
- + Loan-to-Share Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.16% above tier average
- - Member decline: -2.9% YoY
- - Asset Growth Rate: Bottom 8.7% in tier
- - Deposit Growth Rate: Bottom 8.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,209
-2.9% YoY-0.3% QoQ
|
+593 |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$43.7M
-7.0% YoY-3.0% QoQ
|
+$13.5M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$36.6M
+1.1% YoY+0.0% QoQ
|
+$20.8M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Top 13.1% in tier |
| Deposits |
$38.5M
-8.8% YoY-3.4% QoQ
|
+$12.8M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.7%
-22.6% YoY-14.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
5.6%
+6.1% YoY+0.8% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 6.0% in tier |
| Efficiency Ratio |
77.4%
+11.8% YoY+2.3% QoQ
|
-5.2% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
3.7%
-28.5% YoY+11.3% QoQ
|
+2.2 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.6% in tier |
| Loan To Share |
95.1%
+10.8% YoY+3.6% QoQ
|
+34.5% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 6.5% in tier |
| AMR |
$23,379
-1.4% YoY-1.5% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Top 11.2% in tier |
| CD Concentration |
1.6%
-66.7% YoY+78.6% QoQ
|
-22.8% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-67.5% YoY-27.3% QoQ
|
-13.7% | 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)