BlastPoint's Credit Union Scorecard
FLINT RIVER EMPLOYEES
Charter #23908 · GA
2596 CUs in <100M nationally
43 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 3.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.8% in tier
- + Net Worth Ratio: Top 3.2% in tier
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Total Deposits: Bottom 7.7% in tier
- - Total Assets: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
373
+3.0% YoY-2.6% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 10.4% in tier |
| Assets |
$1.7M
+3.8% YoY+5.7% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.6% in tier |
| Loans |
$1.3M
+10.8% YoY+7.7% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.4% in tier |
| Deposits |
$1.1M
-3.5% YoY+8.4% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.7% in tier |
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| ROA |
-0.4%
-107.3% YoY-77.3% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.6% in tier |
| NIM |
7.3%
-46.5% YoY+1.0% QoQ
|
+3.3% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
80.8%
+142.6% YoY-7.2% QoQ
|
-0.6% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.4%
+44.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
118.3%
+14.8% YoY-0.6% QoQ
|
+57.1% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 1.0% in tier |
| AMR |
$6,486
+0.7% YoY+10.9% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
0.4%
-7.7% QoQ
|
-24.0% |
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)
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
21
Loan-to-Share Ratio
balance_sheet
Value:
118.31%
Peer Avg: -
#21 of 2596
Top 0.8% in <100M tier
27
Net Interest Margin (NIM)
profitability
Value:
7.27%
Peer Avg: -
#27 of 2596
Top 1.0% in <100M tier
84
Net Worth Ratio
risk
Value:
36.62%
Peer Avg: -
#84 of 2596
Top 3.2% in <100M tier
252
Loan Growth Rate
growth
Value:
10.77%
Peer Avg: -
#252 of 2596
Top 9.7% in <100M tier
314
Member Growth Rate
growth
Value:
3.04%
Peer Avg: -
#314 of 2596
Top 12.1% in <100M tier
617
Share Certificate Concentration (%)
balance_sheet
Value:
0.43%
Peer Avg: -
#617 of 2596
Top 23.7% in <100M tier
Top Weaknesses (10 metrics)
2582
Net Charge-Off Rate
risk
Value:
13.19%
Peer Avg: -
#2582 of 2596
Bottom 0.6% in <100M tier
2396
Total Deposits
balance_sheet
Value:
$1.11M
Peer Avg: -
#2396 of 2596
Bottom 7.7% in <100M tier
2374
Total Assets
balance_sheet
Value:
$1.75M
Peer Avg: -
#2374 of 2596
Bottom 8.6% in <100M tier
2346
Return on Assets (ROA)
profitability
Value:
-0.42%
Peer Avg: -
#2346 of 2596
Bottom 9.7% in <100M tier
2325
Total Members
engagement
Value:
373
Peer Avg: -
#2325 of 2596
Bottom 10.5% in <100M tier
2250
Average Member Relationship (AMR)
engagement
Value:
$6,486
Peer Avg: -
#2250 of 2596
Bottom 13.4% in <100M tier
2249
Total Loans
balance_sheet
Value:
$1.31M
Peer Avg: -
#2249 of 2596
Bottom 13.4% in <100M tier
2230
Members Per Employee (MPE)
engagement
Value:
186.500
Peer Avg: -
#2230 of 2596
Bottom 14.1% in <100M tier
2073
Fee Income Per Member
profitability
Value:
$11.65
Peer Avg: -
#2073 of 2596
Bottom 20.2% in <100M tier
1976
Deposit Growth Rate
growth
Value:
-3.51%
Peer Avg: -
#1976 of 2596
Bottom 23.9% in <100M tier