BlastPoint's Credit Union Scorecard

GP

Charter #365 · GA

1069 CUs in 100M-500M nationally 20 in GA

GP has 4 strengths but faces 8 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 Leader: Top 6.8% in tier
+ Strong member growth: 10.1% YoY
+ Loan Growth Rate: Top 3.3% in tier
+ Member Growth Rate: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 47.3% in tier
- Credit Risk Growth: Bottom 50.3% in tier
- Credit Quality Pressure: Bottom 97.0% in tier
- ROA 0.99% below tier average
- Efficiency ratio 17.86% above tier (higher cost structure)
- Net Worth Ratio: Bottom 0.2% in tier
- Net Interest Margin (NIM): Bottom 4.0% in tier
- Share Certificate Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	9,593 +10.1% YoY+0.2% QoQ	-5.8K	15,437 -2.9% YoY	30,943 +6.6% YoY	33,374 +5.7% YoY	28%
Assets	$143.7M +3.4% YoY-0.6% QoQ	$-88.1M	$231.9M +1.3% YoY	$501.1M +9.5% YoY	$561.6M +9.7% YoY	28%
Loans	$103.8M +21.1% YoY-1.3% QoQ	$-43.5M	$147.3M -0.1% YoY	$341.6M +10.9% YoY	$397.0M +8.8% YoY	37%
Deposits	$136.2M +4.6% YoY-0.3% QoQ	$-64.6M	$200.8M +0.8% YoY	$429.0M +7.8% YoY	$477.3M +9.7% YoY	34%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.2% -21077.9% YoY+58.8% QoQ	-1.0%	0.8% +18.2% YoY	0.9% +34.6% YoY	0.7% +15.9% YoY	Bottom 4.2% in tier
NIM	2.3% +0.4% YoY+4.4% QoQ	-1.3%	3.6% +6.7% YoY	4.1% +4.4% YoY	3.8% +5.1% YoY	Bottom 3.9% in tier
Efficiency Ratio	94.9% +2.2% YoY+2.2% QoQ	+17.9%	77.0% -3.1% YoY	77.1% -0.1% YoY	79.7% -3.3% YoY	Top 4.5% in tier
Delinquency Rate	0.7% +1.7% YoY+0.9% QoQ	-0.2	0.9% +4.2% YoY	1.2% -6.4% YoY	1.3% -2.1% YoY	48%
Loan To Share	76.2% +15.9% YoY-1.0% QoQ	+4.0%	72.2% -1.1% YoY	72.9% +1.7% YoY	67.4% -1.7% YoY	54%
AMR	$25,014 +1.0% YoY-0.9% QoQ	+$338	$24,676 +3.4% YoY	$17,497 +5.6% YoY	$19,687 +2.0% YoY	62%
CD Concentration	42.6% -9.0% YoY+1.6% QoQ	+18.1%	24.4%	20.5%	19.8%	50%
Indirect Auto %	1.3% -47.7% YoY-11.4% QoQ	-12.5%	13.8%	4.4%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#30 of 426 • Top 6.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 10.06%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 1.31%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#255 of 538 • Bottom 47.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 94.87%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 10.06%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#230 of 456 • Bottom 50.3% in tier

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

Why This Signature

Loan Growth (YoY): 21.13%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#684 of 705 • Bottom 97.0% 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: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (4 metrics)

Loan Growth Rate

growth

Value: 21.13%

Peer Median: -

#36 of 1069 Top 3.3% in 100M-500M tier

Member Growth Rate

growth

Value: 10.06%

Peer Median: -

#39 of 1069 Top 3.6% in 100M-500M tier

173

Members Per Employee (MPE)

engagement

Value: 417.087

Peer Median: -

#173 of 1069 Top 16.1% in 100M-500M tier

186

First Mortgage Concentration (%)

balance_sheet

Value: 13.72%

Peer Median: -

#186 of 1069 Top 17.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1068

Net Worth Ratio

risk

Value: 4.82%

Peer Median: -

#1068 of 1069 Bottom 0.2% in 100M-500M tier

1027

Net Interest Margin (NIM)

profitability

Value: 2.33%

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

1024

Return on Assets (ROA)

profitability

Value: -0.23%

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

1022

Efficiency Ratio

profitability

Value: 94.87%

Peer Median: -

#1022 of 1069 Bottom 4.5% in 100M-500M tier

1018

Share Certificate Concentration (%)

balance_sheet

Value: 42.55%

Peer Median: -

#1018 of 1069 Bottom 4.9% in 100M-500M tier