BlastPoint's Credit Union Scorecard
REGIONAL MEMBERS
Charter #376 · GA
REGIONAL MEMBERS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 1.00% above tier average
- + Strong member growth: 9.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 7.0% in tier
- - Share Certificate Concentration (%): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,282
+9.8% YoY-0.3% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$9.1M
-0.7% YoY-2.5% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$6.0M
-2.0% YoY-0.2% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$7.7M
-2.0% YoY-3.3% QoQ
|
$-17.7M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
1.0%
-41.3% YoY+57.1% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
4.9%
+4.8% YoY+7.3% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
67.4%
-2.1% YoY-3.8% QoQ
|
-14.0% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
1.0%
-19.1% YoY-28.4% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
78.4%
-0.1% YoY+3.2% QoQ
|
+17.1% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$10,724
-10.7% YoY-1.7% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
40.3%
+12.8% YoY+10.0% QoQ
|
+15.9% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)