BlastPoint's Credit Union Scorecard
E L C O
Charter #22083 · GA
E L C O demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Interest Margin 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
673
+0.9% YoY+0.1% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$5.1M
+7.0% YoY+2.7% QoQ
|
$-24.7M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$3.5M
+10.8% YoY+8.8% QoQ
|
$-12.2M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$4.0M
+6.7% YoY+2.6% QoQ
|
$-21.4M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
1.5%
+17.4% YoY+37.1% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.5%
-0.1% YoY+3.7% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
58.3%
-22.6% YoY-6.1% QoQ
|
-23.1% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate |
1.0%
-62.2% YoY-35.7% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
87.5%
+3.8% YoY+6.0% QoQ
|
+26.3% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 13.7% in tier |
| AMR |
$11,249
+7.6% YoY+5.2% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
10.6%
-6.4% YoY-14.2% QoQ
|
-13.9% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)