BlastPoint's Credit Union Scorecard
BEKA
Charter #21575 · GA
BEKA has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.71% below tier average
- - Efficiency ratio 37.01% above tier (higher cost structure)
- - Delinquency rate 1.31% above tier average
- - Member decline: -5.0% YoY
- - Share Certificate Concentration (%): Bottom 2.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
441
-5.0% YoY-1.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 12.1% in tier |
| Assets |
$4.7M
-2.1% YoY+1.5% QoQ
|
$-25.5M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$3.8M
+3.6% YoY+4.8% QoQ
|
$-11.9M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.0M
-3.7% YoY-0.6% QoQ
|
$-21.7M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
-1.1%
+417.8% YoY-1.0% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.5% in tier |
| NIM |
4.1%
+17.3% YoY+4.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
119.6%
+5.6% YoY-4.3% QoQ
|
+37.0% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 4.1% in tier |
| Delinquency Rate |
2.9%
+16.9% YoY+76.0% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 13.7% in tier |
| Loan To Share |
96.2%
+7.5% YoY+5.4% QoQ
|
+35.5% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 5.9% in tier |
| AMR |
$17,699
+4.9% YoY+3.4% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
51.9%
-0.9% YoY+5.0% QoQ
|
+27.5% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)