BlastPoint's Credit Union Scorecard
OMEGA PSI PHI FRATERNITY
Charter #24234 · GA
OMEGA PSI PHI FRATERNITY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,461
+1.4% YoY+1.1% QoQ
|
-164 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$5.2M
+2.9% YoY-1.3% QoQ
|
$-24.6M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$2.3M
-3.9% YoY+16.4% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$4.7M
+2.8% YoY-2.1% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
1.7%
-35.4% YoY+24.1% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
4.1%
-0.9% YoY+1.2% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
53.6%
+5.5% YoY-3.5% QoQ
|
-27.8% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
1.2%
+60.8% YoY-36.6% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
48.3%
-6.5% YoY+18.9% QoQ
|
-13.0% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$2,810
-0.9% YoY+2.1% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.4% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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)