BlastPoint's Credit Union Scorecard
ASSOCIATED CREDIT UNION
Charter #60484 · GA
ASSOCIATED CREDIT UNION has 5 strengths but faces 6 concerns
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 29.4% in tier
- + Organic Growth Leader: Top 33.2% in tier
- + Credit Quality Leader: Top 89.4% in tier
- + Net Interest Margin 0.13% above tier average
- + Total Members: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.6% in tier
- - Credit Risk Growth: Bottom 23.4% in tier
- - Deposit Outflow: Bottom 60.9% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 0.58% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
157,053
+0.9% YoY+0.5% QoQ
|
+58.4K |
98,678
-1.9% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 10.2% in tier |
| Assets |
$2.2B
-0.8% YoY-2.9% QoQ
|
+$508.5M |
$1.7B
+0.5% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$1.7B
+6.1% YoY-0.3% QoQ
|
+$474.3M |
$1.2B
+0.5% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$1.9B
-2.1% YoY-3.7% QoQ
|
+$456.0M |
$1.5B
+1.3% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
0.7%
+37.1% YoY+9.2% QoQ
|
-0.0% |
0.7%
+13.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
3.4%
+16.5% YoY+5.4% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
74.6%
-4.7% YoY-1.3% QoQ
|
+0.6% |
74.0%
-10.9% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.4%
+11.7% YoY+12.2% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
89.4%
+8.3% YoY+3.5% QoQ
|
+4.2% |
85.2%
-0.8% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$23,035
+0.7% YoY-2.6% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
19.5%
-10.5% YoY-7.8% QoQ
|
-9.5% |
29.0%
+0.7% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
Bottom 12.1% in tier |
| Indirect Auto % |
14.6%
-8.7% YoY-0.2% QoQ
|
-4.1% |
18.8%
-3.0% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
46% |
Signature Analysis
Strengths (3)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)