BlastPoint's Credit Union Scorecard
CHATTAHOOCHEE
Charter #24221 · AL
CHATTAHOOCHEE demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.40% above tier average
- + Net Interest Margin 0.73% above tier average
- + Loan Growth Rate: Top 5.8% in tier
- + AMR Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,751
-2.0% YoY-0.4% QoQ
|
+74 |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$23.5M
+4.5% YoY+0.4% QoQ
|
$-6.7M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$15.1M
+14.8% YoY+0.7% QoQ
|
$-176K |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$20.1M
+4.1% YoY-0.9% QoQ
|
$-5.7M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
1.5%
+4.6% YoY-5.6% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Top 14.0% in tier |
| NIM |
4.7%
-0.1% YoY-0.5% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
71.7%
-0.5% YoY+0.4% QoQ
|
-19.0% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.6%
+296.8% YoY-14.5% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
75.0%
+10.3% YoY+1.7% QoQ
|
+16.5% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$12,809
+10.6% YoY+0.2% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
19.3%
+2.4% YoY-2.5% QoQ
|
-5.0% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 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)