BlastPoint's Credit Union Scorecard
RIG EMPLOYEES
Charter #60582 · GA
RIG EMPLOYEES has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.2% in tier
- + Members Per Employee (MPE): Top 7.5% in tier
- + Efficiency Ratio: Top 9.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.78% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
606
+1.2% YoY+0.7% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$6.1M
-0.2% YoY+2.1% QoQ
|
$-23.7M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$2.4M
-11.8% YoY+0.3% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$3.6M
-3.4% YoY+2.4% QoQ
|
$-21.8M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
2.0%
+100.6% YoY+6.5% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 9.2% in tier |
| NIM |
4.5%
+11.5% YoY+0.3% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
55.0%
-28.5% YoY-8.2% QoQ
|
-26.4% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
3.3%
+261.2% YoY+107.6% QoQ
|
+1.8 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 10.5% in tier |
| Loan To Share |
67.2%
-8.7% YoY-2.0% QoQ
|
+6.0% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$10,036
-8.0% YoY+0.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration | 0.0% | -24.4% |
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 (0)
Concerns (0)
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)