BlastPoint's Credit Union Scorecard
BEKA
Charter #21575 · GA
BEKA has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 21.91% above tier (higher cost structure)
- - Member decline: -5.8% YoY
- - Share Certificate Concentration (%): Bottom 3.1% in tier
- - Net Charge-Off Rate: Bottom 4.6% 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 -5.1% year over year ($4.0M in shares and deposits).
- Membership: 421 members, -5.8% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.64%.
- Efficiency ratio 110.67% vs a 88.77% peer average.
- Loan-to-share ratio 79.67% 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 |
421
-5.8% YoY-2.8% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Bottom 11.6% in tier |
| Assets |
$4.6M
-4.9% YoY-1.1% QoQ
|
$-25.7M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$3.2M
-13.0% YoY-11.0% QoQ
|
$-12.3M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$4.0M
-5.1% YoY-0.9% QoQ
|
$-21.8M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.6%
-140.6% YoY-280.3% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
4.4%
+15.7% YoY-7.5% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
110.7%
-19.4% YoY+9.8% QoQ
|
+21.9% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
0.9%
-42.9% YoY+43.0% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
79.7%
-8.4% YoY-10.1% QoQ
|
+20.8% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$16,981
-3.1% YoY-3.0% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
52.1%
+1.2% YoY+1.9% QoQ
|
+27.5% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -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)