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 0.93% above tier average
- + Loan Growth Rate: Top 5.0% in tier
- + Loan-to-Share Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
692
+3.0% YoY+1.0% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$5.2M
+8.0% YoY+3.2% QoQ
|
$-25.0M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$3.7M
+16.1% YoY+5.4% QoQ
|
$-11.6M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$4.1M
+7.7% YoY+3.9% QoQ
|
$-21.7M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
1.1%
+35.4% YoY-33.3% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.8%
-8.6% YoY-14.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
62.1%
-8.2% YoY+5.0% QoQ
|
-28.5% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
0.8%
-66.0% YoY-17.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
90.9%
+7.8% YoY+1.5% QoQ
|
+32.4% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 7.6% in tier |
| AMR |
$11,315
+8.3% YoY+3.6% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
13.2%
+5.3% YoY+22.2% QoQ
|
-11.1% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)