BlastPoint's Credit Union Scorecard
BROSNAN YARD
Charter #22400 · GA
BROSNAN YARD has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 7.6% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -12.2% YoY
- - Member Growth Rate: Bottom 4.3% in tier
- - Share Certificate Concentration (%): Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,196
-12.2% YoY-12.4% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$5.7M
+4.9% YoY-6.5% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$4.4M
+6.4% YoY+4.2% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$4.7M
+3.4% YoY-8.3% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
0.9%
-59.6% YoY+26.5% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
4.4%
-18.3% YoY+6.3% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
69.1%
+20.0% YoY-2.6% QoQ
|
-12.3% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.1%
-3.2% YoY-17.6% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
94.2%
+2.9% YoY+13.7% QoQ
|
+33.0% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 7.8% in tier |
| AMR |
$7,598
+19.4% YoY+11.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
47.0%
+23.6% YoY-7.2% QoQ
|
+22.6% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)