BlastPoint's Credit Union Scorecard
COMBINED EMPLOYEES
Charter #60825 · GA
COMBINED EMPLOYEES has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Net Interest Margin 1.31% above tier average
- + Asset Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,685
+1.3% YoY-0.8% QoQ
|
+8 |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$18.0M
+8.8% YoY+3.7% QoQ
|
$-12.2M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$13.7M
+4.5% YoY+0.9% QoQ
|
$-1.5M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
60% |
| Deposits |
$16.3M
+8.4% YoY+3.4% QoQ
|
$-9.4M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
0.9%
-915.0% YoY+87.2% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
5.3%
+5.3% YoY+0.3% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
82.4%
-18.5% YoY-7.9% QoQ
|
-8.2% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.1%
-63.0% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
84.1%
-3.6% YoY-2.4% QoQ
|
+25.6% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 13.9% in tier |
| AMR |
$11,209
+5.2% YoY+3.1% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration |
36.7%
+9.9% YoY+0.0% QoQ
|
+12.5% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 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)