BlastPoint's Credit Union Scorecard
BROSNAN YARD
Charter #22400 · GA
BROSNAN YARD has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 0.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.1% in tier
- + Members Per Employee (MPE): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.10% above tier average
- - Share Certificate Concentration (%): Bottom 2.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,374
+0.1% YoY+14.9% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$5.5M
-4.2% YoY-3.2% QoQ
|
$-24.7M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$4.5M
+1.3% YoY+1.2% QoQ
|
$-11.3M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$4.5M
-7.2% YoY-4.4% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.1%
-48.9% YoY+16.5% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
4.8%
-7.7% YoY+9.0% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
68.8%
+15.4% YoY-0.5% QoQ
|
-13.8% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
2.7%
+37.3% YoY+136.9% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
99.7%
+9.2% YoY+5.8% QoQ
|
+39.1% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 4.3% in tier |
| AMR |
$6,503
-3.2% YoY-14.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
53.7%
+19.2% YoY+14.1% QoQ
|
+29.2% | 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)