BlastPoint's Credit Union Scorecard

ASSOCIATED CREDIT UNION

Charter #60484 · GA

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 5 in GA
View Mid-Market leaderboard →

ASSOCIATED CREDIT UNION has 6 strengths but faces 3 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 6.8% in tier
  • + Organic Growth Engine: Top 6.8% in tier
  • + Net Interest Margin 0.25% above tier average
  • + Strong member growth: 10.9% YoY
  • + Total Members: Top 4.2% in tier
  • + Member Growth Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 81.8% in tier
  • - ROA 0.07% below tier average
  • - Efficiency ratio 0.39% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 172,340
+10.9% YoY+9.5% QoQ
 +76.3K 96,048
-2.7% YoY
 31,952
+7.2% YoY
 33,913
+5.7% YoY
 Top 4.6% in tier
Assets $2.6B
+10.9% YoY+11.0% QoQ
 +$837.1M $1.7B
+0.4% YoY
 $522.8M
+8.6% YoY
 $578.3M
+9.0% YoY
 Top 13.7% in tier
Loans $1.9B
+10.5% YoY+7.9% QoQ
 +$649.5M $1.2B
+0.2% YoY
 $353.5M
+11.3% YoY
 $402.4M
+8.7% YoY
 Top 11.8% in tier
Deposits $2.2B
+9.3% YoY+10.9% QoQ
 +$733.4M $1.5B
+0.5% YoY
 $449.3M
+7.5% YoY
 $494.3M
+9.1% YoY
 Top 12.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.7%
+57.9% YoY-15.6% QoQ
 -0.1% 0.7%
+27.6% YoY
 -0.2%
-137.4% YoY
 0.4%
-39.2% YoY
 49%
NIM 3.6%
+16.5% YoY+4.1% QoQ
 +0.3% 3.4%
+6.2% YoY
 3.6%
-10.9% YoY
 3.8%
+4.1% YoY
 67%
Efficiency Ratio 75.0%
-4.0% YoY+5.0% QoQ
 +0.4% 74.6%
-3.0% YoY
 81.8%
+0.6% YoY
 84.6%
+2.8% YoY
 49%
Delinquency Rate 0.3%
-11.3% YoY-13.5% QoQ
 -0.5 0.8%
+6.9% YoY
 1.7%
+76.5% YoY
 1.2%
+3.4% YoY
 Top 14.7% in tier
Loan To Share 84.7%
+1.1% YoY-2.7% QoQ
 +1.5% 83.2%
-0.4% YoY
 70.0%
+1.3% YoY
 65.6%
-1.4% YoY
 49%
AMR $23,570
-0.9% YoY-0.0% QoQ
 $-6K $29,652
+2.3% YoY
 $17,441
+2.7% YoY
 $19,920
+1.6% YoY
 22%
CD Concentration 21.0%
-2.8% YoY-0.4% QoQ
 -7.8% 28.8% 20.0% 19.8% 18%
Indirect Auto % 13.7%
-9.1% YoY-4.2% QoQ
 -4.3% 18.1% 4.3% 7.7% 46%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#13 of 116 • Top 6.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 10.92%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 13.73%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#47 of 115 • Top 6.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 10.92%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 0.65%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 13.73%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Concerns (1)

Shrinking Wallet Share

decline
#70 of 82 • Bottom 81.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.94%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY | New qualifier

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)

Comparing against 306 peers in tier

Top Strengths (12 metrics)

14
Total Members
engagement
Value: 172,340
Peer Median: 85,918
#14 of 306 Top 4.2% in 1B-3B tier
20
Member Growth Rate
growth
Value: 10.92%
Peer Median: 2.03%
#20 of 306 Top 6.2% in 1B-3B tier
36
Total Loans
balance_sheet
Value: $1.86B
Peer Median: $1.11B
#36 of 306 Top 11.4% in 1B-3B tier
38
Total Deposits
balance_sheet
Value: $2.20B
Peer Median: $1.31B
#38 of 306 Top 12.1% in 1B-3B tier
40
Asset Growth Rate
growth
Value: 10.87%
Peer Median: 4.82%
#40 of 306 Top 12.7% in 1B-3B tier
42
Total Assets
balance_sheet
Value: $2.56B
Peer Median: $1.51B
#42 of 306 Top 13.4% in 1B-3B tier
46
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Median: 0.63%
#46 of 306 Top 14.7% in 1B-3B tier
49
Deposit Growth Rate
growth
Value: 9.35%
Peer Median: 4.44%
#49 of 306 Top 15.7% in 1B-3B tier
58
Share Certificate Concentration (%)
balance_sheet
Value: 21.00%
Peer Median: 27.93%
#58 of 306 Top 18.6% in 1B-3B tier
65
Loan Growth Rate
growth
Value: 10.51%
Peer Median: 5.67%
#65 of 306 Top 20.9% in 1B-3B tier

Top Weaknesses (2 metrics)

249
AMR Growth Rate
growth
Value: -0.94%
Peer Median: 3.15%
#249 of 306 Bottom 19.0% in 1B-3B tier
238
Average Member Relationship (AMR)
engagement
Value: $23,570
Peer Median: $28,178
#238 of 306 Bottom 22.5% in 1B-3B tier
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