BlastPoint's Credit Union Scorecard
PLATINUM
Charter #24631 · GA
PLATINUM has 10 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.3% in tier
- + Organic Growth Leader: Top 8.2% in tier
- + ROA 0.87% above tier average
- + Strong member growth: 8.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.5% in tier
- + Member Growth Rate: Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 4.6% in tier
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Efficiency Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.5% in tier
- - Credit Quality Pressure: Bottom 28.1% in tier
- - Members Per Employee (MPE): Bottom 2.2% in tier
- - Share Certificate Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,500
+8.8% YoY+1.4% QoQ
|
-1.9K |
15,437
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$347.4M
+8.6% YoY-0.9% QoQ
|
+$115.6M |
$231.9M
+1.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$255.1M
+11.8% YoY+4.6% QoQ
|
+$107.8M |
$147.3M
-0.1% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Top 13.0% in tier |
| Deposits |
$310.1M
+7.6% YoY-1.7% QoQ
|
+$109.3M |
$200.8M
+0.8% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
1.6%
+9.1% YoY+2.3% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 7.6% in tier |
| NIM |
3.0%
+14.8% YoY+3.9% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
58.0%
-5.2% YoY-0.2% QoQ
|
-19.0% |
77.0%
-3.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.6%
+133.7% YoY+129.3% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
82.3%
+3.9% YoY+6.5% QoQ
|
+10.0% |
72.2%
-1.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$41,871
+0.6% YoY-0.4% QoQ
|
+$17K |
$24,676
+3.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Top 5.3% in tier |
| CD Concentration |
38.5%
-0.2% YoY+5.0% QoQ
|
+14.1% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)