BlastPoint's Credit Union Scorecard
FLINT RIVER EMPLOYEES
Charter #23908 · GA
2556 CUs in <100M nationally
42 in GA
FLINT RIVER EMPLOYEES has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Charge-Off Rate: Top 0.5% in tier
- + Net Worth Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Member decline: -3.2% YoY
- - Total Deposits: Bottom 7.0% in tier
- - Total Assets: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
368
-3.2% YoY-1.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 9.9% in tier |
| Assets |
$1.7M
+0.3% YoY-3.8% QoQ
|
$-28.5M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.1% in tier |
| Loans |
$1.3M
+0.2% YoY-2.2% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.2% in tier |
| Deposits |
$972,300
-5.5% YoY-12.3% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.0% in tier |
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| ROA |
-0.1%
-123.0% YoY-82.0% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.6% in tier |
| NIM |
7.1%
-2.9% YoY-2.2% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 1.1% in tier |
| Efficiency Ratio |
82.3%
+29.1% YoY+1.9% QoQ
|
-0.3% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.2%
-59.0% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
131.9%
+6.1% YoY+11.5% QoQ
|
+71.3% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 0.4% in tier |
| AMR |
$6,128
+0.8% YoY-5.5% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.2% in tier |
| CD Concentration |
0.5%
+6.3% YoY+14.0% QoQ
|
-23.9% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
9
Loan-to-Share Ratio
balance_sheet
Value:
131.95%
Peer Median: -
#9 of 2556
Top 0.3% in <100M tier
13
Net Charge-Off Rate
risk
Value:
-1.45%
Peer Median: -
#13 of 2556
Top 0.5% in <100M tier
29
Net Interest Margin (NIM)
profitability
Value:
7.11%
Peer Median: -
#29 of 2556
Top 1.1% in <100M tier
69
Net Worth Ratio
risk
Value:
38.32%
Peer Median: -
#69 of 2556
Top 2.7% in <100M tier
606
Share Certificate Concentration (%)
balance_sheet
Value:
0.49%
Peer Median: -
#606 of 2556
Top 23.7% in <100M tier
607
Total Delinquency Rate (60+ days)
risk
Value:
0.17%
Peer Median: -
#607 of 2556
Top 23.7% in <100M tier
Top Weaknesses (9 metrics)
2377
Total Deposits
balance_sheet
Value:
$972,300
Peer Median: -
#2377 of 2556
Bottom 7.0% in <100M tier
2350
Total Assets
balance_sheet
Value:
$1.68M
Peer Median: -
#2350 of 2556
Bottom 8.1% in <100M tier
2300
Total Members
engagement
Value:
368
Peer Median: -
#2300 of 2556
Bottom 10.1% in <100M tier
2244
Average Member Relationship (AMR)
engagement
Value:
$6,128
Peer Median: -
#2244 of 2556
Bottom 12.2% in <100M tier
2218
Total Loans
balance_sheet
Value:
$1.28M
Peer Median: -
#2218 of 2556
Bottom 13.3% in <100M tier
2208
Members Per Employee (MPE)
engagement
Value:
184.000
Peer Median: -
#2208 of 2556
Bottom 13.7% in <100M tier
2183
Return on Assets (ROA)
profitability
Value:
-0.08%
Peer Median: -
#2183 of 2556
Bottom 14.6% in <100M tier
2160
Deposit Growth Rate
growth
Value:
-5.54%
Peer Median: -
#2160 of 2556
Bottom 15.5% in <100M tier
2016
Fee Income Per Member
profitability
Value:
$13.72
Peer Median: -
#2016 of 2556
Bottom 21.2% in <100M tier