BlastPoint's Credit Union Scorecard
ASSOCIATED CREDIT UNION
Charter #60484 · GA
ASSOCIATED CREDIT UNION demonstrates 5 strengths
How does the industry compare?
What's your peer group doing?
How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 77.2% in tier
- + Organic Growth Leader: Top 87.9% in tier
- + ROA 0.09% above tier average
- + Net Interest Margin 0.19% above tier average
- + Total Members: Top 8.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
157,397
+1.3% YoY+0.2% QoQ
|
+60.0K |
97,431
-2.4% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 8.6% in tier |
| Assets |
$2.3B
+2.7% YoY+3.4% QoQ
|
+$581.1M |
$1.7B
+0.9% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$1.7B
+5.3% YoY+1.1% QoQ
|
+$492.4M |
$1.2B
+0.5% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$2.0B
+1.4% YoY+3.8% QoQ
|
+$523.8M |
$1.5B
+0.9% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.8%
+57.0% YoY+16.8% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
3.5%
+17.1% YoY+2.0% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
71.5%
-7.3% YoY-4.1% QoQ
|
-2.6% |
74.1%
-9.5% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.3%
-7.0% YoY-14.6% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.9% in tier |
| Loan To Share |
87.1%
+3.8% YoY-2.6% QoQ
|
+2.3% |
84.8%
-0.8% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$23,570
+1.9% YoY+2.3% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
21.1%
-4.5% YoY+8.4% QoQ
|
-8.0% | 29.0% | 20.5% | 19.8% | 16% |
| Indirect Auto % |
14.3%
-7.9% YoY-2.2% QoQ
|
-4.0% | 18.3% | 4.4% | 7.8% | 46% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)