BlastPoint's Credit Union Scorecard
ASSOCIATED CREDIT UNION
Charter #60484 · GA
ASSOCIATED CREDIT UNION has 7 strengths but faces 3 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 Leader: Top 7.8% in tier
- + Organic Growth Engine: Top 7.8% in tier
- + Net Interest Margin 0.22% above tier average
- + Strong member growth: 10.2% YoY
- + Total Members: Top 4.3% in tier
- + Member Growth Rate: Top 7.0% in tier
- + Total Delinquency Rate (60+ days): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 83.6% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 1.99% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Georgia.
- Shares and deposits +10.0% year over year ($2.18B in shares and deposits).
- Membership: 172,237 members, +10.2% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 0.71%.
- Efficiency ratio 75.01% vs a 73.02% peer average.
- Loan-to-share ratio 84.87% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
172,237
+10.2% YoY-0.1% QoQ
|
+75.4K |
96,861
-1.9% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Top 4.7% in tier |
| Assets |
$2.5B
+11.1% YoY-0.4% QoQ
|
+$823.5M |
$1.7B
+0.4% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Top 13.7% in tier |
| Loans |
$1.9B
+8.1% YoY-0.6% QoQ
|
+$617.4M |
$1.2B
+0.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Top 13.7% in tier |
| Deposits |
$2.2B
+10.0% YoY-0.8% QoQ
|
+$718.4M |
$1.5B
+0.5% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 13.0% in tier |
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| ROA |
0.7%
+17.8% YoY+9.5% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
3.6%
+13.2% YoY+1.1% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
75.0%
-0.7% YoY-0.0% QoQ
|
+2.0% |
73.0%
-2.7% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
0.3%
-15.6% YoY+1.8% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Top 10.0% in tier |
| Loan To Share |
84.9%
-1.7% YoY+0.2% QoQ
|
+0.2% |
84.7%
+0.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$23,418
-1.0% YoY-0.6% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
21.6%
+2.2% YoY+2.7% QoQ
|
-7.5% | 29.1% | 20.2% | 20.0% | 18% |
| Indirect Auto % |
13.5%
-8.0% YoY-1.7% QoQ
|
-4.6% | 18.1% | 4.3% | 7.7% | 44% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)