BlastPoint's Credit Union Scorecard
GP
Charter #365 · GA
GP has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 1.6% in tier
- + Wallet Share Momentum: Top 2.5% in tier
- + Strong member growth: 13.9% YoY
- + Asset Growth Rate: Top 0.8% in tier
- + Deposit Growth Rate: Top 0.8% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 1.1% in tier
- + Member Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.4% in tier
- - Credit Quality Pressure: Bottom 12.2% in tier
- - Efficiency Drag: Bottom 16.7% in tier
- - ROA 0.93% below tier average
- - Efficiency ratio 15.56% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Share Certificate Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,575
+13.9% YoY+2.1% QoQ
|
-6.1K |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$144.6M
+45.1% YoY-1.7% QoQ
|
$-86.7M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$105.1M
+40.1% YoY+1.8% QoQ
|
$-42.7M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$136.5M
+49.1% YoY-1.1% QoQ
|
$-63.8M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
-0.1%
-223.7% YoY+49.8% QoQ
|
-0.9% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.4% in tier |
| NIM |
2.2%
-20.3% YoY+5.0% QoQ
|
-1.4% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio |
92.8%
-0.3% YoY+2.5% QoQ
|
+15.6% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
0.7%
+58.5% YoY+139.1% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
77.0%
-6.0% YoY+2.9% QoQ
|
+4.3% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$25,238
+27.3% YoY-1.9% QoQ
|
+$874 |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
41.9%
+63.8% YoY-3.2% QoQ
|
+17.5% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.5%
+156.2% YoY-10.1% QoQ
|
-12.5% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)