BlastPoint's Credit Union Scorecard
COMBINED EMPLOYEES
Charter #60825 ยท GA
2596 CUs in <100M nationally
43 in GA
COMBINED EMPLOYEES has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 10.97% above tier (higher cost structure)
- - Member decline: -18.1% YoY
- - Member Growth Rate: Bottom 2.0% in tier
- - Net Worth Ratio: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,695
-18.1% YoY+0.1% QoQ
|
+69 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$17.5M
+7.4% YoY+4.4% QoQ
|
$-12.4M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$14.0M
+3.0% YoY-0.2% QoQ
|
$-1.8M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$16.0M
+7.7% YoY+4.2% QoQ
|
$-9.5M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
47% |
| ROA |
0.4%
-229.7% YoY+257.2% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
5.3%
+5.8% YoY+0.3% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 9.6% in tier |
| Efficiency Ratio |
92.4%
-1.5% YoY-4.6% QoQ
|
+11.0% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.0%
+297.7% YoY-26.9% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
87.5%
-4.4% YoY-4.3% QoQ
|
+26.3% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 13.8% in tier |
| AMR |
$11,123
+28.7% YoY+2.0% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
36.2%
+10.2% YoY+4.9% QoQ
|
+11.8% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
31
AMR Growth Rate
growth
Value:
28.72%
Peer Avg: 4.67%
#31 of 2596
Top 1.2% in <100M tier
248
Net Interest Margin (NIM)
profitability
Value:
5.29%
Peer Avg: 3.93%
#248 of 2596
Top 9.5% in <100M tier
353
Loan-to-Share Ratio
balance_sheet
Value:
87.49%
Peer Avg: 61.23%
#353 of 2596
Top 13.6% in <100M tier
368
Deposit Growth Rate
growth
Value:
7.69%
Peer Avg: 16.80%
#368 of 2596
Top 14.1% in <100M tier
384
Asset Growth Rate
growth
Value:
7.43%
Peer Avg: 1.82%
#384 of 2596
Top 14.8% in <100M tier
411
Total Delinquency Rate (60+ days)
risk
Value:
0.03%
Peer Avg: 1.51%
#411 of 2596
Top 15.8% in <100M tier
Top Weaknesses (4 metrics)
2546
Member Growth Rate
growth
Value:
-18.09%
Peer Avg: 14.92%
#2546 of 2596
Bottom 2.0% in <100M tier
2446
Net Worth Ratio
risk
Value:
8.32%
Peer Avg: 16.43%
#2446 of 2596
Bottom 5.8% in <100M tier
2329
Share Certificate Concentration (%)
balance_sheet
Value:
36.19%
Peer Avg: 15.37%
#2329 of 2596
Bottom 10.3% in <100M tier
2089
Efficiency Ratio
profitability
Value:
92.36%
Peer Avg: 81.39%
#2089 of 2596
Bottom 19.6% in <100M tier