BlastPoint's Credit Union Scorecard
B.O.N.D. COMMUNITY
Charter #20974 · GA
B.O.N.D. COMMUNITY has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.33% above tier average
- + Strong member growth: 16.3% YoY
- + Member Growth Rate: Top 2.1% in tier
- + Loan-to-Share Ratio: Top 6.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 2.11% below tier average
- - Efficiency ratio 0.23% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - AMR Growth Rate: Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 2.6% in tier
- - Asset Growth Rate: Bottom 7.8% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,803
+16.3% YoY+18.5% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$44.1M
-7.8% YoY+1.0% QoQ
|
+$13.9M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
73% |
| Loans |
$36.2M
+1.8% YoY-1.0% QoQ
|
+$20.9M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 12.6% in tier |
| Deposits |
$39.1M
-9.0% YoY+1.7% QoQ
|
+$13.3M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
-2.0%
-304.8% YoY-387.3% QoQ
|
-2.1% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.9% in tier |
| NIM |
5.3%
-1.9% YoY-5.4% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
90.9%
+21.0% YoY+17.4% QoQ
|
+0.2% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
1.7%
-57.9% YoY-53.6% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
92.6%
+11.8% YoY-2.6% QoQ
|
+34.1% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 6.5% in tier |
| AMR |
$19,796
-17.5% YoY-15.3% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
2.0%
-58.3% YoY+20.8% QoQ
|
-22.3% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-71.0% YoY
|
-13.8% | 13.8% | 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)