BlastPoint's Credit Union Scorecard
FLINT RIVER EMPLOYEES
Charter #23908 · GA
FLINT RIVER EMPLOYEES has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.98% above tier average
- + Loan-to-Share Ratio: Top 1.8% in tier
- + Net Worth Ratio: Top 2.7% in tier
- + Net Charge-Off Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 23.64% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Total Deposits: Bottom 7.0% in tier
- - Total Assets: Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits +3.2% year over year ($1.1M in shares and deposits).
- Membership: 368 members, -3.9% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 0.82%.
- Efficiency ratio 112.41% vs a 88.77% peer average.
- Loan-to-share ratio 106.47% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
368
-3.9% YoY+0.3% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Bottom 10.1% in tier |
| Assets |
$1.7M
+4.0% YoY-2.6% QoQ
|
$-28.6M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.9% in tier |
| Loans |
$1.1M
-7.7% YoY-4.0% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.4% in tier |
| Deposits |
$1.1M
+3.2% YoY-4.1% QoQ
|
$-24.7M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.0% in tier |
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| ROA |
0.8%
-144.4% YoY+435.3% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
6.9%
-4.4% YoY-2.7% QoQ
|
+3.0% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
112.4%
+29.2% YoY-22.3% QoQ
|
+23.6% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.4% in tier |
| Delinquency Rate |
0.2%
-19.9% YoY+99.8% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
106.5%
-10.6% YoY+0.1% QoQ
|
+47.6% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 1.9% in tier |
| AMR |
$5,920
+1.2% YoY-4.3% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.5% in tier |
| CD Concentration |
0.5%
-3.1% YoY+4.2% QoQ
|
-24.1% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)