BlastPoint's Credit Union Scorecard
FLINT RIVER EMPLOYEES
Charter #23908 · GA
<100M
2508 CUs in <100M nationally
42 in GA
FLINT RIVER EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.06% above tier average
- + Loan-to-Share Ratio: Top 1.8% in tier
- + Net Worth Ratio: Top 3.0% in tier
- + Net Charge-Off Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 53.98% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Total Deposits: Bottom 7.4% in tier
- - Total Assets: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
367
-3.9% YoY-0.3% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Bottom 9.9% in tier |
| Assets |
$1.8M
+2.0% YoY+5.0% QoQ
|
$-28.4M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.4% in tier |
| Loans |
$1.2M
-2.6% YoY-8.8% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.7% in tier |
| Deposits |
$1.1M
+0.5% YoY+13.1% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.4% in tier |
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| ROA |
0.2%
-106.2% YoY-303.3% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
7.1%
-5.0% YoY-0.5% QoQ
|
+3.1% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
144.6%
+100.5% YoY+75.8% QoQ
|
+54.0% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate |
0.1%
-69.8% YoY-32.4% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
106.3%
-3.1% YoY-19.4% QoQ
|
+47.8% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 2.0% in tier |
| AMR |
$6,184
+2.9% YoY+0.9% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.2% in tier |
| CD Concentration |
0.4%
-0.2% YoY-11.6% QoQ
|
-23.8% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 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)
Top Strengths (8 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
30
Net Interest Margin (NIM)
profitability
Value:
7.07%
Peer Median: 3.83%
#30 of 2508
Top 1.2% in <100M tier
47
Loan-to-Share Ratio
balance_sheet
Value:
106.33%
Peer Median: 58.72%
#47 of 2508
Top 1.8% in <100M tier
77
Net Worth Ratio
risk
Value:
36.91%
Peer Median: 14.28%
#77 of 2508
Top 3.0% in <100M tier
88
Net Charge-Off Rate
risk
Value:
-0.46%
Peer Median: 0.07%
#88 of 2508
Top 3.5% in <100M tier
574
Total Delinquency Rate (60+ days)
risk
Value:
0.11%
Peer Median: 0.65%
#574 of 2508
Top 22.8% in <100M tier
589
Share Certificate Concentration (%)
balance_sheet
Value:
0.43%
Peer Median: 12.45%
#589 of 2508
Top 23.4% in <100M tier
Top Weaknesses (9 metrics)
2429
Efficiency Ratio
profitability
Value:
144.61%
Peer Median: 81.45%
#2429 of 2508
Bottom 3.2% in <100M tier
2323
Total Deposits
balance_sheet
Value:
$1.10M
Peer Median: $18.77M
#2323 of 2508
Bottom 7.4% in <100M tier
2298
Total Assets
balance_sheet
Value:
$1.77M
Peer Median: $21.86M
#2298 of 2508
Bottom 8.4% in <100M tier
2257
Total Members
engagement
Value:
367
Peer Median: 1,918
#2257 of 2508
Bottom 10.0% in <100M tier
2201
Average Member Relationship (AMR)
engagement
Value:
$6,184
Peer Median: $13,926
#2201 of 2508
Bottom 12.3% in <100M tier
2189
Total Loans
balance_sheet
Value:
$1.17M
Peer Median: $9.48M
#2189 of 2508
Bottom 12.8% in <100M tier
2181
Fee Income Per Member
profitability
Value:
$3.49
Peer Median: $60.42
#2181 of 2508
Bottom 13.1% in <100M tier
2173
Members Per Employee (MPE)
engagement
Value:
183.500
Peer Median: 333.750
#2173 of 2508
Bottom 13.4% in <100M tier
1922
Member Growth Rate
growth
Value:
-3.93%
Peer Median: -1.37%
#1922 of 2508
Bottom 23.4% in <100M tier