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 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 7.05% above tier (higher cost structure)
- - Member decline: -3.7% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,057
-3.7% YoY-0.6% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$43.9M
+0.8% YoY-4.1% QoQ
|
+$14.0M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$18.1M
+0.6% YoY+0.8% QoQ
|
+$2.3M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$37.2M
+0.5% YoY-4.8% QoQ
|
+$11.8M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
73% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-64.0% YoY+0.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
3.2%
-7.8% YoY+1.7% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
88.4%
+7.3% YoY+0.4% QoQ
|
+7.0% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.4%
-3.4% YoY+46.0% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
48.6%
+0.1% YoY+5.8% QoQ
|
-12.7% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$13,629
+4.4% YoY-2.4% QoQ
|
$-998 |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
21.2%
+9.9% YoY+6.8% QoQ
|
-3.2% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)