BlastPoint's Credit Union Scorecard
REGIONAL MEMBERS
Charter #376 · GA
REGIONAL MEMBERS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Delinquency rate 1.09% above tier average
- - Net Charge-Off Rate: Bottom 6.3% in tier
- - Share Certificate Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,250
-1.3% YoY-2.5% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$9.0M
-1.6% YoY-0.6% QoQ
|
$-21.1M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$5.8M
-5.1% YoY-4.4% QoQ
|
$-10.0M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$7.7M
-2.3% YoY-0.2% QoQ
|
$-18.0M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.5%
-66.4% YoY-51.3% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
5.0%
+5.7% YoY+1.7% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
65.4%
-7.3% YoY-2.9% QoQ
|
-17.2% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
2.6%
+53.3% YoY+157.3% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
75.1%
-2.8% YoY-4.2% QoQ
|
+14.5% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$10,774
-2.3% YoY+0.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
41.3%
+15.6% YoY+2.3% QoQ
|
+16.8% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)