BlastPoint's Credit Union Scorecard
FEDERATION OF GREENE COUNTY EMPL.
Charter #22131 · AL
2596 CUs in <100M nationally
54 in AL
FEDERATION OF GREENE COUNTY EMPL. has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.38% above tier average
- + Net Interest Margin 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 8.1% in tier
- + Net Worth Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.37% above tier (higher cost structure)
- - Delinquency rate 4.57% above tier average
- - Average Member Relationship (AMR): Bottom 2.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
- - Total Loans: Bottom 6.2% in tier
- - Total Deposits: Bottom 8.4% in tier
- - Total Assets: Bottom 9.2% in tier
- - Loan-to-Share Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
886
+3.4% YoY0% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$1.8M
+1.5% YoY-1.5% QoQ
|
$-28.0M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.1% in tier |
| Loans |
$369,148
+4.9% YoY-7.8% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.1% in tier |
| Deposits |
$1.3M
-4.8% YoY+0.4% QoQ
|
$-24.2M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.4% in tier |
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| ROA |
2.1%
-40.9% YoY+14.8% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 8.2% in tier |
| NIM |
4.2%
-12.9% YoY+0.9% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
82.8%
+15.1% YoY+0.0% QoQ
|
+1.4% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
6.1%
+283.0% YoY+865.0% QoQ
|
+4.6 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 4.5% in tier |
| Loan To Share |
29.1%
+10.2% YoY-8.2% QoQ
|
-32.2% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.2% in tier |
| AMR |
$1,849
-6.0% YoY-1.6% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
211
Fee Income Per Member
profitability
Value:
$186.55
Peer Avg: -
#211 of 2596
Top 8.1% in <100M tier
213
Return on Assets (ROA)
profitability
Value:
2.06%
Peer Avg: -
#213 of 2596
Top 8.2% in <100M tier
250
Net Worth Ratio
risk
Value:
26.11%
Peer Avg: -
#250 of 2596
Top 9.6% in <100M tier
279
Member Growth Rate
growth
Value:
3.38%
Peer Avg: -
#279 of 2596
Top 10.7% in <100M tier
537
Loan Growth Rate
growth
Value:
4.91%
Peer Avg: -
#537 of 2596
Top 20.6% in <100M tier
558
Members Per Employee (MPE)
engagement
Value:
443.000
Peer Avg: -
#558 of 2596
Top 21.5% in <100M tier
Top Weaknesses (9 metrics)
2527
Average Member Relationship (AMR)
engagement
Value:
$1,849
Peer Avg: -
#2527 of 2596
Bottom 2.7% in <100M tier
2518
Loan-to-Member Ratio (LMR)
engagement
Value:
$416.65
Peer Avg: -
#2518 of 2596
Bottom 3.0% in <100M tier
2481
Total Delinquency Rate (60+ days)
risk
Value:
6.08%
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2437
Total Loans
balance_sheet
Value:
$369,148
Peer Avg: -
#2437 of 2596
Bottom 6.2% in <100M tier
2379
Total Deposits
balance_sheet
Value:
$1.27M
Peer Avg: -
#2379 of 2596
Bottom 8.4% in <100M tier
2359
Total Assets
balance_sheet
Value:
$1.83M
Peer Avg: -
#2359 of 2596
Bottom 9.2% in <100M tier
2353
Loan-to-Share Ratio
balance_sheet
Value:
29.08%
Peer Avg: -
#2353 of 2596
Bottom 9.4% in <100M tier
2213
AMR Growth Rate
growth
Value:
-5.96%
Peer Avg: -
#2213 of 2596
Bottom 14.8% in <100M tier
2132
Deposit Growth Rate
growth
Value:
-4.81%
Peer Avg: -
#2132 of 2596
Bottom 17.9% in <100M tier