BlastPoint's Credit Union Scorecard
ON THE GRID FINANCIAL
Charter #383 · GA
ON THE GRID FINANCIAL has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 8.18% above tier (higher cost structure)
- - Member decline: -3.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,953
-3.7% YoY-2.6% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$43.6M
-0.5% YoY-0.5% QoQ
|
+$13.5M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$18.2M
-1.5% YoY+0.9% QoQ
|
+$2.5M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$37.0M
-0.7% YoY-0.5% QoQ
|
+$11.3M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.3%
-57.5% YoY+3.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.3%
-7.9% YoY+0.9% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
90.7%
+6.7% YoY+2.6% QoQ
|
+8.2% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.4%
+327.1% YoY+14.3% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
49.3%
-0.8% YoY+1.4% QoQ
|
-11.3% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$13,979
+2.9% YoY+2.6% QoQ
|
$-804 |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
21.2%
+16.6% YoY-0.1% QoQ
|
-3.2% | 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)