BlastPoint's Credit Union Scorecard
E L C O
Charter #22083 · GA
E L C O demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.99% above tier average
- + Net Interest Margin 0.54% above tier average
- + Loan Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
685
+2.1% YoY+1.8% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$5.1M
+8.0% YoY-1.1% QoQ
|
$-25.1M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.5M
+13.8% YoY+0.1% QoQ
|
$-12.2M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$3.9M
+7.4% YoY-2.2% QoQ
|
$-21.7M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% 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 |
1.6%
+40.8% YoY+6.5% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 13.5% in tier |
| NIM |
4.5%
-1.0% YoY-1.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
59.2%
-19.9% YoY+1.6% QoQ
|
-23.4% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
1.0%
-35.7% YoY+1.7% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
89.6%
+5.9% YoY+2.3% QoQ
|
+28.9% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 10.3% in tier |
| AMR |
$10,927
+8.1% YoY-2.9% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
10.8%
-16.7% YoY+2.3% QoQ
|
-13.6% | 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)