BlastPoint's Credit Union Scorecard
GEORGIA HERITAGE
Charter #3800 · GA
GEORGIA HERITAGE has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 32.7% in tier
- + Wallet Share Momentum: Top 47.3% in tier
- + Net Interest Margin 0.29% above tier average
- + Loan Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.6% in tier
- - Indirect Auto Dependency: Bottom 2.9% in tier
- - Credit Risk Growth: Bottom 6.1% in tier
- - Credit Quality Pressure: Bottom 17.1% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 11.00% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,226
+0.9% YoY-2.2% QoQ
|
-402 |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$155.5M
+6.0% YoY+1.4% QoQ
|
$-75.8M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$107.5M
+14.4% YoY+3.2% QoQ
|
$-40.3M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$135.9M
+4.5% YoY+1.0% QoQ
|
$-64.4M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
0.4%
-7.4% YoY+28.5% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.9%
+2.8% YoY-1.5% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
88.3%
+10.0% YoY+0.5% QoQ
|
+11.0% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
0.5%
+36.8% YoY+87.6% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
79.1%
+9.5% YoY+2.2% QoQ
|
+6.4% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$15,985
+7.7% YoY+4.3% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.6% in tier |
| CD Concentration |
24.4%
+13.2% YoY+13.8% QoQ
|
-0.0% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
45.3%
-16.9% YoY-10.6% QoQ
|
+31.3% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)