BlastPoint's Credit Union Scorecard
CDC
Charter #6053 · GA
CDC has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Strong member growth: 5.1% YoY
- + Members Per Employee (MPE): Top 2.3% in tier
- + Total Assets: Top 6.0% in tier
- + Total Deposits: Top 6.6% 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 1.92% below tier average
- - Efficiency ratio 58.13% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,527
+5.1% YoY+1.2% QoQ
|
+8.4K |
15,145
-2.5% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Top 14.2% in tier |
| Assets |
$435.5M
+1.4% YoY-0.2% QoQ
|
+$203.8M |
$231.7M
+0.8% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Top 6.1% in tier |
| Loans |
$171.9M
+7.4% YoY-0.5% QoQ
|
+$27.8M |
$144.1M
+0.2% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$373.1M
-4.6% YoY+0.2% QoQ
|
+$172.0M |
$201.1M
+0.4% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Top 6.7% in tier |
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| ROA |
-1.2%
-1037.9% YoY-1220.4% QoQ
|
-1.9% |
0.7%
+5.1% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.8% in tier |
| NIM |
2.3%
+11.4% YoY+0.9% QoQ
|
-1.3% |
3.6%
+4.6% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio |
136.2%
+44.7% YoY+53.4% QoQ
|
+58.1% |
78.0%
-1.7% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate |
0.6%
-21.0% YoY-16.7% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
46.1%
+12.6% YoY-0.7% QoQ
|
-24.3% |
70.4%
-0.4% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.5% in tier |
| AMR |
$23,166
-5.9% YoY-1.2% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
18.3%
-9.1% YoY-2.8% QoQ
|
-6.0% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)