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 0.80% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.9% in tier
- + AMR Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,762
-1.8% YoY-0.7% QoQ
|
+146 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$23.4M
+5.3% YoY+0.0% QoQ
|
$-6.7M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$15.0M
+22.4% YoY+4.2% QoQ
|
$-766K |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$20.3M
+6.2% YoY+0.9% QoQ
|
$-5.4M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
1.6%
+6.2% YoY-3.8% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 12.8% in tier |
| NIM |
4.8%
-2.8% YoY-0.3% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
71.4%
-1.9% YoY+0.6% QoQ
|
-11.2% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.7%
+114.0% YoY+528.0% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
73.8%
+15.3% YoY+3.3% QoQ
|
+13.2% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$12,787
+14.6% YoY+3.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
19.8%
+4.5% YoY+1.9% QoQ
|
-4.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)