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BlastPoint's Credit Union Scorecard

FEDERATION OF GREENE COUNTY EMPL.

Charter #22131 · AL

<100M
2508 CUs in <100M nationally 53 in AL

FEDERATION OF GREENE COUNTY EMPL. has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.85% above tier average
  • + Deposit Growth Rate: Top 1.2% in tier
  • + Loan Growth Rate: Top 1.5% in tier
  • + Asset Growth Rate: Top 1.8% in tier
  • + AMR Growth Rate: Top 2.7% in tier
  • + Member Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Average Member Relationship (AMR): Bottom 3.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
  • - Total Loans: Bottom 7.8% in tier
  • - Total Deposits: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 912
+3.8% YoY+0.6% QoQ
-1.8K 2,676
+1.6% YoY
28,055
-6.4% YoY
33,913
+5.7% YoY
26%
Assets $2.2M
+17.7% YoY+22.8% QoQ
$-28.0M $30.2M
+1.3% YoY
$451.2M
+7.2% YoY
$578.3M
+9.0% YoY
Bottom 10.2% in tier
Loans $499,776
+35.7% YoY+13.3% QoQ
$-14.8M $15.3M
-2.0% YoY
$260.3M
+6.6% YoY
$402.4M
+8.7% YoY
Bottom 7.7% in tier
Deposits $1.5M
+23.9% YoY+21.8% QoQ
$-24.2M $25.8M
+0.7% YoY
$395.2M
+6.0% YoY
$494.3M
+9.1% YoY
Bottom 9.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 2.0%
+37.1% YoY+11.9% QoQ
+1.9% 0.1%
-77.6% YoY
0.6%
-14.6% YoY
0.4%
-39.2% YoY
Top 6.5% in tier
NIM 3.4%
-24.2% YoY-19.3% QoQ
-0.6% 4.0%
+4.0% YoY
3.7%
+0.6% YoY
3.8%
+4.1% YoY
31%
Efficiency Ratio 79.8%
-0.4% YoY-5.2% QoQ
-10.9% 90.6%
+6.5% YoY
80.4%
-0.1% YoY
84.6%
+2.8% YoY
45%
Delinquency Rate 0.3%
+78.1% YoY
-1.2 1.5%
+3.8% YoY
1.6%
+17.5% YoY
1.2%
+3.4% YoY
35%
Loan To Share 32.5%
+9.5% YoY-7.0% QoQ
-26.0% 58.5%
-3.0% YoY
59.2%
-1.1% YoY
65.6%
-1.4% YoY
Bottom 13.8% in tier
AMR $2,234
+22.0% YoY+18.9% QoQ
$-13K $14,884
-1.7% YoY
$17,504
+3.5% YoY
$19,920
+1.6% YoY
Bottom 3.3% in tier
CD Concentration 0.0% -24.3% 24.3% 21.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.1% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (13 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
30
Deposit Growth Rate
growth
Value: 23.89%
Peer Median: 0.66%
#30 of 2508 Top 1.2% in <100M tier
38
Loan Growth Rate
growth
Value: 35.72%
Peer Median: -2.36%
#38 of 2508 Top 1.5% in <100M tier
46
Asset Growth Rate
growth
Value: 17.72%
Peer Median: 1.30%
#46 of 2508 Top 1.8% in <100M tier
68
AMR Growth Rate
growth
Value: 22.01%
Peer Median: 1.27%
#68 of 2508 Top 2.7% in <100M tier
163
Return on Assets (ROA)
profitability
Value: 2.00%
Peer Median: 0.61%
#163 of 2508 Top 6.5% in <100M tier
232
Member Growth Rate
growth
Value: 3.75%
Peer Median: -1.37%
#232 of 2508 Top 9.2% in <100M tier
259
Fee Income Per Member
profitability
Value: $155.02
Peer Median: $60.42
#259 of 2508 Top 10.3% in <100M tier

Top Weaknesses (6 metrics)

2425
Average Member Relationship (AMR)
engagement
Value: $2,234
Peer Median: $13,926
#2425 of 2508 Bottom 3.3% in <100M tier
2410
Loan-to-Member Ratio (LMR)
engagement
Value: $548.00
Peer Median: $4,923
#2410 of 2508 Bottom 3.9% in <100M tier
2314
Total Loans
balance_sheet
Value: $499,776
Peer Median: $9.48M
#2314 of 2508 Bottom 7.8% in <100M tier
2271
Total Deposits
balance_sheet
Value: $1.54M
Peer Median: $18.77M
#2271 of 2508 Bottom 9.5% in <100M tier
2253
Total Assets
balance_sheet
Value: $2.18M
Peer Median: $21.86M
#2253 of 2508 Bottom 10.2% in <100M tier
2160
Loan-to-Share Ratio
balance_sheet
Value: 32.50%
Peer Median: 58.72%
#2160 of 2508 Bottom 13.9% in <100M tier
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