BlastPoint's Credit Union Scorecard

CDC

Charter #6053 · GA

100M-500M

1024 CUs in 100M-500M nationally 18 in GA

CDC has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Members Per Employee (MPE): Top 3.0% in tier
+ Total Deposits: Top 7.6% in tier
+ Total Assets: Top 8.8% in tier
+ Member Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Efficiency ratio 37.44% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 1.6% in tier
- AMR Growth Rate: Bottom 1.9% in tier
- Asset Growth Rate: Bottom 2.8% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
Shares and deposits -7.4% year over year ($364M in shares and deposits).
Membership: 23,839 members, +4.7% vs a year ago.
Delinquency rate 0.71%.
Return on assets 0.57%.
Efficiency ratio 114.18% vs a 76.73% peer average.
Loan-to-share ratio 46.96% vs a 71.54% 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	23,839 +4.7% YoY+1.3% QoQ	+8.7K	15,168 -2.6% YoY	32,666 +7.6% YoY	34,678 +6.6% YoY	Top 13.6% in tier
Assets	$414.4M -4.3% YoY-4.9% QoQ	+$182.4M	$232.0M +0.7% YoY	$529.0M +8.4% YoY	$593.1M +10.2% YoY	Top 8.9% in tier
Loans	$170.9M +1.7% YoY-0.6% QoQ	+$24.7M	$146.3M +0.2% YoY	$366.4M +11.0% YoY	$418.6M +10.1% YoY	68%
Deposits	$363.9M -7.4% YoY-2.5% QoQ	+$163.2M	$200.7M +0.2% YoY	$453.8M +8.0% YoY	$504.8M +10.3% YoY	Top 7.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +245.6% YoY-147.5% QoQ	-0.3%	0.9% +12.5% YoY	1.1% +36.8% YoY	1.2% +121.4% YoY	33%
NIM	2.4% +6.9% YoY+1.7% QoQ	-1.3%	3.7% +4.5% YoY	4.1% -0.3% YoY	3.8% +2.3% YoY	Bottom 2.9% in tier
Efficiency Ratio	114.2% +24.5% YoY-16.1% QoQ	+37.4%	76.7% -0.8% YoY	78.8% -0.4% YoY	83.0% -5.3% YoY	Bottom 0.5% in tier
Delinquency Rate	0.7% -10.1% YoY+10.5% QoQ	-0.2	0.9% +6.6% YoY	1.5% +41.3% YoY	1.3% +2.6% YoY	50%
Loan To Share	47.0% +9.8% YoY+1.9% QoQ	-24.6%	71.5% -0.3% YoY	70.2% -1.6% YoY	66.4% -1.4% YoY	Bottom 9.0% in tier
AMR	$22,436 -9.0% YoY-3.2% QoQ	$-3K	$25,107 +3.2% YoY	$17,498 +1.4% YoY	$20,028 -0.9% YoY	47%
CD Concentration	19.5% +1.8% YoY+6.8% QoQ	-5.0%	24.6%	20.2%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	4.3%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#73 of 342 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 4.75%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Organic Growth Engine

growth

#129 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.75%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.57%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (3)

Deposit Outflow

decline

#4 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -7.36%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 4.75%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#21 of 223 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -8.96%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Efficiency Drag

risk

#205 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 114.18%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.40% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 4.75%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 554.395

Peer Median: 310.924

#32 of 1024 Top 3.0% in 100M-500M tier

Total Deposits

balance_sheet

Value: $363.93M

Peer Median: $170.77M

#79 of 1024 Top 7.6% in 100M-500M tier

Total Assets

balance_sheet

Value: $414.36M

Peer Median: $196.38M

#91 of 1024 Top 8.8% in 100M-500M tier

101

Member Growth Rate

growth

Value: 4.75%

Peer Median: -0.03%

#101 of 1024 Top 9.8% in 100M-500M tier

139

Total Members

engagement

Value: 23,839

Peer Median: 13,128

#139 of 1024 Top 13.5% in 100M-500M tier

Top Weaknesses (9 metrics)

1020

Efficiency Ratio

profitability

Value: 114.18%

Peer Median: 77.26%

#1020 of 1024 Bottom 0.5% in 100M-500M tier

1009

Deposit Growth Rate

growth

Value: -7.36%

Peer Median: 3.58%

#1009 of 1024 Bottom 1.6% in 100M-500M tier

1006

AMR Growth Rate

growth

Value: -8.96%

Peer Median: 3.53%

#1006 of 1024 Bottom 1.9% in 100M-500M tier

996

Asset Growth Rate

growth

Value: -4.33%

Peer Median: 4.12%

#996 of 1024 Bottom 2.8% in 100M-500M tier

994

Net Interest Margin (NIM)

profitability

Value: 2.38%

Peer Median: 3.67%

#994 of 1024 Bottom 3.0% in 100M-500M tier

932

Loan-to-Share Ratio

balance_sheet

Value: 46.96%

Peer Median: 73.07%

#932 of 1024 Bottom 9.1% in 100M-500M tier

830

Fee Income Per Member

profitability

Value: $106.46

Peer Median: $159.88

#830 of 1024 Bottom 19.0% in 100M-500M tier

821

Net Worth Ratio

risk

Value: 9.61%

Peer Median: 11.71%

#821 of 1024 Bottom 19.9% in 100M-500M tier

771

Loan-to-Member Ratio (LMR)

engagement

Value: $7,170

Peer Median: $9,434

#771 of 1024 Bottom 24.8% in 100M-500M tier