BlastPoint's Credit Union Scorecard
OMEGA PSI PHI FRATERNITY
Charter #24234 · GA
OMEGA PSI PHI FRATERNITY faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Member decline: -4.6% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits +5.2% year over year ($5.0M in shares and deposits).
- Membership: 2,321 members, -4.6% vs a year ago.
- Delinquency rate 0.81%.
- Return on assets 0.35%.
- Efficiency ratio 85.97% vs a 88.77% peer average.
- Loan-to-share ratio 36.83% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,321
-4.6% YoY+0.2% QoQ
|
-264 |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$5.5M
+4.7% YoY+0.0% QoQ
|
$-24.8M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$1.8M
-4.5% YoY-7.3% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$5.0M
+5.2% YoY+0.3% QoQ
|
$-20.8M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
0.4%
-73.7% YoY-71.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
3.9%
-4.9% YoY+3.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
86.0%
+54.9% YoY+9.6% QoQ
|
-2.8% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
0.8%
-55.9% YoY+50.1% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
36.8%
-9.2% YoY-7.5% QoQ
|
-22.1% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$2,956
+7.4% YoY-2.1% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 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)