BlastPoint's Credit Union Scorecard
B.O.N.D. COMMUNITY
Charter #20974 · GA
B.O.N.D. COMMUNITY has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 1.19% above tier average
- + Strong member growth: 21.4% YoY
- + Member Growth Rate: Top 2.1% in tier
- + Loan-to-Share Ratio: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.62% above tier (higher cost structure)
- - Delinquency rate 2.09% above tier average
- - AMR Growth Rate: Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 4.1% 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 -3.6% year over year ($39.1M in shares and deposits).
- Membership: 3,954 members, +21.4% vs a year ago.
- Delinquency rate 3.63%.
- Return on assets 1.74%.
- Efficiency ratio 91.38% vs a 88.77% peer average.
- Loan-to-share ratio 91.53% 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 |
3,954
+21.4% YoY+4.0% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$44.1M
-3.1% YoY-0.1% QoQ
|
+$13.8M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$35.8M
-0.7% YoY-1.1% QoQ
|
+$20.4M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Top 12.9% in tier |
| Deposits |
$39.1M
-3.6% YoY+0.1% QoQ
|
+$13.3M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
1.7%
+121.0% YoY-188.7% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
Top 14.1% in tier |
| NIM |
5.1%
-6.2% YoY-4.5% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 10.4% in tier |
| Efficiency Ratio |
91.4%
+22.5% YoY+0.6% QoQ
|
+2.6% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
3.6%
-14.1% YoY+110.9% QoQ
|
+2.1 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.3% in tier |
| Loan To Share |
91.5%
+3.0% YoY-1.2% QoQ
|
+32.6% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 7.6% in tier |
| AMR |
$18,953
-19.5% YoY-4.3% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
2.3%
-21.8% YoY+16.4% QoQ
|
-22.3% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-73.9% YoY
|
-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)