BlastPoint's Credit Union Scorecard
BEKA
Charter #21575 · GA
BEKA has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 10.18% above tier (higher cost structure)
- - Member decline: -4.8% YoY
- - Net Charge-Off Rate: Bottom 2.5% in tier
- - Share Certificate Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
433
-4.8% YoY-1.8% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Bottom 11.9% in tier |
| Assets |
$4.6M
-3.8% YoY-1.4% QoQ
|
$-25.6M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$3.6M
+3.3% YoY-6.9% QoQ
|
$-11.7M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$4.0M
-3.5% YoY+1.0% QoQ
|
$-21.8M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
-0.4%
-71.4% YoY-67.1% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.7% in tier |
| NIM |
4.8%
+34.6% YoY+16.2% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
85% |
| Efficiency Ratio |
100.8%
-23.6% YoY-15.7% QoQ
|
+10.2% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
0.6%
-79.0% YoY-79.1% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
88.6%
+7.1% YoY-7.8% QoQ
|
+30.1% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 9.2% in tier |
| AMR |
$17,500
+4.7% YoY-1.1% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
67% |
| CD Concentration |
51.1%
-0.7% YoY-1.4% QoQ
|
+26.9% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -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)