BlastPoint's Credit Union Scorecard
BROSNAN YARD
Charter #22400 · GA
BROSNAN YARD has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.25% above tier average
- + Net Interest Margin 1.37% above tier average
- + Strong member growth: 16.2% YoY
- + Member Growth Rate: Top 2.1% in tier
- + Members Per Employee (MPE): Top 4.9% in tier
- + Loan-to-Share Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.76% above tier average
- - Share Certificate Concentration (%): Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 3.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,383
+16.2% YoY+0.7% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$6.0M
-2.2% YoY+9.4% QoQ
|
$-24.2M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$4.4M
+3.3% YoY-1.5% QoQ
|
$-10.9M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$5.0M
-4.1% YoY+11.7% QoQ
|
$-20.8M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
2.4%
+251.8% YoY+119.6% QoQ
|
+2.3% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Top 3.4% in tier |
| NIM |
5.4%
+22.6% YoY+11.6% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Top 7.3% in tier |
| Efficiency Ratio |
59.6%
-16.2% YoY-13.3% QoQ
|
-31.0% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
3.3%
+97.0% YoY+23.0% QoQ
|
+1.8 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.9% in tier |
| Loan To Share |
87.9%
+7.7% YoY-11.8% QoQ
|
+29.4% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 9.7% in tier |
| AMR |
$6,789
-14.6% YoY+4.4% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
53.4%
+6.1% YoY-0.6% QoQ
|
+29.1% | 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)