BlastPoint's Credit Union Scorecard
CDC
Charter #6053 · GA
CDC has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 16.7% in tier
- + Organic Growth Engine: Top 55.4% in tier
- + Strong member growth: 5.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.4% in tier
- + Total Assets: Top 6.2% in tier
- + Total Deposits: Top 6.5% in tier
- + Member Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 22.1% in tier
- - Shrinking Wallet Share: Bottom 25.1% in tier
- - Efficiency Drag: Bottom 26.3% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 11.73% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 4.2% in tier
- - Deposit Growth Rate: Bottom 6.6% in tier
- - Loan-to-Share Ratio: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,252
+5.5% YoY+1.1% QoQ
|
+7.8K |
15,437
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$436.5M
+0.0% YoY+0.2% QoQ
|
+$204.7M |
$231.9M
+1.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 6.3% in tier |
| Loans |
$172.8M
+7.3% YoY-0.5% QoQ
|
+$25.5M |
$147.3M
-0.1% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$372.4M
-2.9% YoY-0.1% QoQ
|
+$171.6M |
$200.8M
+0.8% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Top 6.6% in tier |
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| ROA |
0.1%
+96.4% YoY-43.6% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.4% in tier |
| NIM |
2.3%
+30.3% YoY+1.1% QoQ
|
-1.3% |
3.6%
+6.7% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
88.7%
-8.1% YoY-0.5% QoQ
|
+11.7% |
77.0%
-3.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 12.3% in tier |
| Delinquency Rate |
0.8%
-37.5% YoY-24.0% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
46.4%
+10.5% YoY-0.5% QoQ
|
-25.8% |
72.2%
-1.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.9% in tier |
| AMR |
$23,446
-5.1% YoY-1.2% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
18.8%
-12.4% YoY-1.0% QoQ
|
-5.6% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)