BlastPoint's Credit Union Scorecard
CHATTAHOOCHEE
Charter #24221 · AL
CHATTAHOOCHEE demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.02% above tier average
- + Net Interest Margin 0.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 4.2% in tier
- + AMR Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,781
-1.3% YoY-0.4% QoQ
|
+155 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$23.4M
+6.3% YoY+3.2% QoQ
|
$-6.5M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$14.4M
+17.9% YoY+4.7% QoQ
|
$-1.4M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$20.1M
+5.8% YoY+4.3% QoQ
|
$-5.3M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
1.7%
+10.3% YoY+1.0% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 14.4% in tier |
| NIM |
4.8%
+7.4% YoY-0.4% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
71.0%
-1.5% YoY+0.3% QoQ
|
-10.4% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.1%
-39.7% YoY-48.7% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
71.4%
+11.4% YoY+0.4% QoQ
|
+10.2% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$12,416
+11.9% YoY+4.8% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
19.4%
+4.6% YoY+1.8% QoQ
|
-5.0% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)