BlastPoint's Credit Union Scorecard
CDC
Charter #6053 · GA
CDC has 9 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 4.1% in tier
- + Organic Growth Engine: Top 16.7% in tier
- + Strong member growth: 6.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 4.6% in tier
- + Members Per Employee (MPE): Top 5.1% in tier
- + Total Assets: Top 5.8% in tier
- + Total Deposits: Top 6.4% in tier
- + Member Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 8.6% in tier
- - Deposit Outflow: Bottom 11.2% in tier
- - Efficiency Drag: Bottom 15.5% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 11.89% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Asset Growth Rate: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 4.8% in tier
- - AMR Growth Rate: Bottom 6.1% in tier
- - Loan-to-Share Ratio: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,010
+6.4% YoY+1.1% QoQ
|
+7.4K |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$435.8M
-6.5% YoY+0.6% QoQ
|
+$204.5M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Top 5.9% in tier |
| Loans |
$173.7M
+17.8% YoY+3.4% QoQ
|
+$25.9M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$372.6M
-3.7% YoY-5.2% QoQ
|
+$172.3M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Top 6.5% in tier |
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| ROA |
0.2%
+12419.3% YoY+15.0% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.9% in tier |
| NIM |
2.3%
+35.7% YoY+3.0% QoQ
|
-1.3% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
89.2%
-10.2% YoY-2.8% QoQ
|
+11.9% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
1.0%
-36.4% YoY+28.5% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
46.6%
+22.3% YoY+9.0% QoQ
|
-26.1% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.3% in tier |
| AMR |
$23,739
-3.9% YoY-3.7% QoQ
|
$-625 |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
19.0%
-15.6% YoY-0.9% QoQ
|
-5.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)