BlastPoint's Credit Union Scorecard
OMEGA PSI PHI FRATERNITY
Charter #24234 · GA
OMEGA PSI PHI FRATERNITY has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 4.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- - Net Charge-Off Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,492
+2.7% YoY+1.3% QoQ
|
-123 |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$5.3M
+5.7% YoY+1.5% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$2.2M
+0.1% YoY-3.6% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$4.7M
+5.8% YoY+1.7% QoQ
|
$-20.9M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.4%
-36.6% YoY-17.9% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
4.2%
-0.7% YoY+0.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
53.2%
+3.7% YoY-0.6% QoQ
|
-29.3% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate |
0.9%
+10.0% YoY-26.6% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
45.7%
-5.3% YoY-5.3% QoQ
|
-14.9% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$2,775
+1.2% YoY-1.3% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 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)