BlastPoint's Credit Union Scorecard
REGIONAL MEMBERS
Charter #376 · GA
REGIONAL MEMBERS has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - ROA 2.18% below tier average
- - Delinquency rate 0.10% above tier average
- - Member decline: -2.1% YoY
- - Share Certificate Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,240
-2.1% YoY-0.8% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$9.4M
+0.2% YoY+3.8% QoQ
|
$-20.8M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$5.4M
-9.4% YoY-6.6% QoQ
|
$-9.9M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$8.1M
+0.6% YoY+5.2% QoQ
|
$-17.7M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
-2.0%
-429.0% YoY-499.5% QoQ
|
-2.2% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.7% in tier |
| NIM |
4.5%
+4.4% YoY-10.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
85.7%
+16.3% YoY+31.0% QoQ
|
-5.0% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
1.6%
+37.9% YoY-39.4% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
66.6%
-10.0% YoY-11.2% QoQ
|
+8.1% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$10,876
-1.6% YoY+1.0% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
41.8%
+17.7% YoY+1.2% QoQ
|
+17.5% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 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)