BlastPoint's Credit Union Scorecard
E L C O
Charter #22083 · GA
E L C O demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Loan Growth Rate: Top 5.1% in tier
- + Efficiency Ratio: Top 9.1% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 +5.9% year over year ($4.2M in shares and deposits).
- Membership: 691 members, +2.8% vs a year ago.
- Delinquency rate 0.78%.
- Return on assets 1.46%.
- Efficiency ratio 56.99% vs a 88.77% peer average.
- Loan-to-share ratio 90.23% 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 |
691
+2.8% YoY-0.1% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$5.3M
+6.7% YoY+1.8% QoQ
|
$-25.0M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$3.8M
+15.6% YoY+0.8% QoQ
|
$-11.7M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$4.2M
+5.9% YoY+1.5% QoQ
|
$-21.6M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
19% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
+32.9% YoY+36.5% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
4.1%
-6.2% YoY+6.8% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
57.0%
-8.1% YoY-8.3% QoQ
|
-31.8% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
0.8%
-49.0% YoY-5.5% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
90.2%
+9.2% YoY-0.7% QoQ
|
+31.3% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 9.2% in tier |
| AMR |
$11,464
+7.3% YoY+1.3% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
13.1%
+6.1% YoY-1.1% QoQ
|
-11.5% | 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)