BlastPoint's Credit Union Scorecard
RIG EMPLOYEES
Charter #60582 · GA
RIG EMPLOYEES has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.55% above tier average
- + Net Interest Margin 0.57% above tier average
- + Net Worth Ratio: Top 1.7% in tier
- + Efficiency Ratio: Top 6.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Members Per Employee (MPE): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.74% above tier average
- - Member decline: -2.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.8% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
583
-2.3% YoY-3.8% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$5.9M
-3.4% YoY-3.7% QoQ
|
$-24.2M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$2.4M
-6.3% YoY-1.3% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.4M
-9.4% YoY-7.2% QoQ
|
$-22.3M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
2.2%
+107.8% YoY+8.9% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 5.3% in tier |
| NIM |
4.5%
+9.8% YoY+0.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
54.4%
-28.7% YoY-1.1% QoQ
|
-28.2% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 6.8% in tier |
| Delinquency Rate |
5.3%
+520.8% YoY+61.0% QoQ
|
+3.7 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.8% in tier |
| Loan To Share |
71.5%
+3.5% YoY+6.4% QoQ
|
+10.9% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$9,925
-6.0% YoY-1.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)