BlastPoint's Credit Union Scorecard

PLATINUM

Charter #24631 · GA

100M-500M

1070 CUs in 100M-500M nationally 18 in GA

PLATINUM has 8 strengths but faces 2 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.63% above tier average
+ Strong member growth: 9.4% YoY
+ Deposit Growth Rate: Top 1.8% in tier
+ Fee Income Per Member: Top 1.9% in tier
+ Asset Growth Rate: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Members Per Employee (MPE): Bottom 2.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	13,839 +9.4% YoY+2.5% QoQ	-1.3K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	53%
Assets	$389.9M +17.6% YoY+12.2% QoQ	+$158.2M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	Top 12.5% in tier
Loans	$259.2M +10.4% YoY+1.6% QoQ	+$115.0M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	Top 11.1% in tier
Deposits	$351.7M +17.9% YoY+13.4% QoQ	+$150.6M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	Top 10.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -10.6% YoY-16.4% QoQ	+0.6%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	Top 14.7% in tier
NIM	2.9% +3.9% YoY-3.8% QoQ	-0.7%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	Bottom 12.3% in tier
Efficiency Ratio	58.1% -5.6% YoY+0.1% QoQ	-19.9%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	Top 6.0% in tier
Delinquency Rate	0.3% -25.1% YoY-54.8% QoQ	-0.5	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	21%
Loan To Share	73.7% -6.4% YoY-10.4% QoQ	+3.3%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	53%
AMR	$44,143 +4.8% YoY+5.4% QoQ	+$19K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	Top 4.6% in tier
CD Concentration	32.4% -24.1% YoY-15.9% QoQ	+8.1%	24.3%	20.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#10 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.43%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.36%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#33 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 9.43%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#141 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.77%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $9.6K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (1)

Margin Compression

decline

#54 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.36%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.52%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 17.95%

Peer Median: 3.30%

#20 of 1070 Top 1.8% in 100M-500M tier

Fee Income Per Member

profitability

Value: $378.64

Peer Median: $154.95

#21 of 1070 Top 1.9% in 100M-500M tier

Asset Growth Rate

growth

Value: 17.56%

Peer Median: 3.91%

#22 of 1070 Top 2.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $44,143

Peer Median: $22,931

#49 of 1070 Top 4.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,728

Peer Median: $9,356

#49 of 1070 Top 4.5% in 100M-500M tier

Member Growth Rate

growth

Value: 9.43%

Peer Median: -0.06%

#51 of 1070 Top 4.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 58.08%

Peer Median: 78.68%

#65 of 1070 Top 6.0% in 100M-500M tier

109

Total Deposits

balance_sheet

Value: $351.72M

Peer Median: $171.29M

#109 of 1070 Top 10.1% in 100M-500M tier

119

Total Loans

balance_sheet

Value: $259.17M

Peer Median: $121.41M

#119 of 1070 Top 11.0% in 100M-500M tier

Top Weaknesses (3 metrics)

1050

Members Per Employee (MPE)

engagement

Value: 179.727

Peer Median: 309.176

#1050 of 1070 Bottom 2.0% in 100M-500M tier

938

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Median: 3.62%

#938 of 1070 Bottom 12.4% in 100M-500M tier

844

Share Certificate Concentration (%)

balance_sheet

Value: 32.37%

Peer Median: 23.10%

#844 of 1070 Bottom 21.2% in 100M-500M tier