BlastPoint's Credit Union Scorecard

PLATINUM

Charter #24631 · GA

100M-500M

1024 CUs in 100M-500M nationally 18 in GA

PLATINUM has 8 strengths but faces 3 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
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.56% above tier average
+ Strong member growth: 9.0% YoY
+ Deposit Growth Rate: Top 1.6% in tier
+ Asset Growth Rate: Top 1.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Members Per Employee (MPE): Bottom 2.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
Shares and deposits +20.1% year over year ($374M in shares and deposits).
Membership: 14,162 members, +9.0% vs a year ago.
Delinquency rate 0.29%.
Return on assets 1.43%.
Efficiency ratio 59.05% vs a 76.73% peer average.
Loan-to-share ratio 69.62% vs a 71.54% 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	14,162 +9.0% YoY+2.3% QoQ	-1.0K	15,168 -2.6% YoY	32,666 +7.6% YoY	34,678 +6.6% YoY	55%
Assets	$412.6M +19.2% YoY+5.8% QoQ	+$180.5M	$232.0M +0.7% YoY	$529.0M +8.4% YoY	$593.1M +10.2% YoY	Top 9.2% in tier
Loans	$260.5M +9.4% YoY+0.5% QoQ	+$114.2M	$146.3M +0.2% YoY	$366.4M +11.0% YoY	$418.6M +10.1% YoY	Top 11.2% in tier
Deposits	$374.1M +20.1% YoY+6.4% QoQ	+$173.4M	$200.7M +0.2% YoY	$453.8M +8.0% YoY	$504.8M +10.3% YoY	Top 6.4% 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% +2.0% YoY+4.9% QoQ	+0.6%	0.9% +12.5% YoY	1.1% +36.8% YoY	1.2% +121.4% YoY	Top 14.9% in tier
NIM	2.9% +1.5% YoY-0.3% QoQ	-0.8%	3.7% +4.5% YoY	4.1% -0.3% YoY	3.8% +2.3% YoY	Bottom 10.8% in tier
Efficiency Ratio	59.0% -1.5% YoY+1.7% QoQ	-17.7%	76.7% -0.8% YoY	78.8% -0.4% YoY	83.0% -5.3% YoY	Top 7.5% in tier
Delinquency Rate	0.3% +3.1% YoY+3.1% QoQ	-0.6	0.9% +6.6% YoY	1.5% +41.3% YoY	1.3% +2.6% YoY	18%
Loan To Share	69.6% -8.9% YoY-5.5% QoQ	-1.9%	71.5% -0.3% YoY	70.2% -1.6% YoY	66.4% -1.4% YoY	43%
AMR	$44,806 +6.0% YoY+1.5% QoQ	+$20K	$25,107 +3.2% YoY	$17,498 +1.4% YoY	$20,028 -0.9% YoY	Top 4.4% in tier
CD Concentration	26.6% -31.8% YoY-17.9% QoQ	+2.0%	24.6%	20.2%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	4.3%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#4 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.97%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.43%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY

Organic Growth Leader

growth

#27 of 342 • 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): 8.97%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Relationship Depth Leader

growth

#108 of 262 • 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): 5.99%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $10.1K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#381 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.99%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk

#331 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.43%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#663 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | 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 1024 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 20.14%

Peer Median: 3.58%

#17 of 1024 Top 1.6% in 100M-500M tier

Asset Growth Rate

growth

Value: 19.25%

Peer Median: 4.12%

#20 of 1024 Top 1.9% in 100M-500M tier

Fee Income Per Member

profitability

Value: $361.67

Peer Median: $159.88

#22 of 1024 Top 2.1% in 100M-500M tier

Member Growth Rate

growth

Value: 8.97%

Peer Median: -0.03%

#41 of 1024 Top 3.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $44,806

Peer Median: $23,006

#45 of 1024 Top 4.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,391

Peer Median: $9,434

#54 of 1024 Top 5.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $374.09M

Peer Median: $170.77M

#66 of 1024 Top 6.3% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.05%

Peer Median: 77.26%

#78 of 1024 Top 7.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $412.55M

Peer Median: $196.38M

#94 of 1024 Top 9.1% in 100M-500M tier

Top Weaknesses (2 metrics)

1005

Members Per Employee (MPE)

engagement

Value: 179.266

Peer Median: 310.924

#1005 of 1024 Bottom 2.0% in 100M-500M tier

913

Net Interest Margin (NIM)

profitability

Value: 2.91%

Peer Median: 3.67%

#913 of 1024 Bottom 10.9% in 100M-500M tier