BlastPoint's Credit Union Scorecard
ON THE GRID FINANCIAL
Charter #383 · GA
ON THE GRID FINANCIAL has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 7.45% above tier (higher cost structure)
- - Member decline: -4.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,930
-4.0% YoY-0.6% QoQ
|
+1.3K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$46.3M
+0.5% YoY+6.1% QoQ
|
+$16.1M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$18.2M
+1.2% YoY-0.4% QoQ
|
+$2.9M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$39.5M
-0.0% YoY+6.8% QoQ
|
+$13.8M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
0.0%
-90.9% YoY-89.3% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
2.9%
-12.8% YoY-11.8% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
15% |
| Efficiency Ratio |
98.1%
+17.1% YoY+8.1% QoQ
|
+7.5% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
0.4%
+70.8% YoY-20.3% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
45.9%
+1.2% YoY-6.8% QoQ
|
-12.6% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$14,681
+4.6% YoY+5.0% QoQ
|
$-203 |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
20.5%
+8.4% YoY-3.3% QoQ
|
-3.8% | 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)