BlastPoint's Credit Union Scorecard

DELTA COMMUNITY

Charter #66357 · GA

Large 7B-10B

30 CUs in 7B-10B nationally 1 in GA

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DELTA COMMUNITY has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 18.9% in tier
+ Organic Growth Leader: Top 24.1% in tier
+ Credit Quality Leader: Top 60.0% in tier
+ Net Interest Margin 0.15% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 19.6% in tier
- Credit Quality Pressure: Bottom 27.0% in tier
- ROA 0.20% below tier average
- Efficiency ratio 12.24% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	524,276 +2.6% YoY+0.8% QoQ	+65.0K	459,296 +3.8% YoY	30,529 +3.7% YoY	33,089 +6.1% YoY	70%
Assets	$8.8B +2.5% YoY+0.0% QoQ	$-83.1M	$8.9B +1.2% YoY	$489.5M +5.8% YoY	$547.7M +7.8% YoY	37%
Loans	$6.1B +8.0% YoY+3.5% QoQ	$-229.9M	$6.3B +2.9% YoY	$335.0M +9.2% YoY	$388.7M +8.6% YoY	37%
Deposits	$7.8B +2.5% YoY-0.5% QoQ	+$343.0M	$7.5B +2.3% YoY	$419.7M +4.9% YoY	$464.6M +9.3% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +103.2% YoY-6.1% QoQ	-0.2%	1.0% +22.1% YoY	1.1% +41.8% YoY	0.7% +273.4% YoY	30%
NIM	3.2% +20.1% YoY+3.7% QoQ	+0.1%	3.0% +11.5% YoY	4.2% +4.4% YoY	3.7% +5.0% YoY	53%
Efficiency Ratio	76.0% -8.7% YoY-0.3% QoQ	+12.2%	63.7% -2.2% YoY	76.7% +1.1% YoY	79.1% -3.3% YoY	83%
Delinquency Rate	0.3% +0.5% YoY+24.8% QoQ	-0.4	0.7% +10.8% YoY	1.3% +2.5% YoY	1.2% -0.9% YoY	Bottom 13.3% in tier
Loan To Share	78.4% +5.5% YoY+4.1% QoQ	-7.1%	85.4% +0.7% YoY	72.3% +1.1% YoY	68.0% -1.7% YoY	30%
AMR	$26,528 +2.2% YoY+0.4% QoQ	$-7K	$33,660 -2.9% YoY	$17,296 +4.1% YoY	$19,418 +1.3% YoY	27%
CD Concentration	24.9% +1.9% YoY+3.4% QoQ	-4.0%	28.9% -1.3% YoY	19.9% +4.7% YoY	19.6% +6.2% YoY	28%
Indirect Auto %	0.0%	-16.6%	16.6% -10.3% YoY	4.6% +4.3% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#29 of 50 • Top 18.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.61%

(Tier: 3.07%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.83%

(Tier: 0.91%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 16.60%, National: 7.90%)

better than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY

Organic Growth Leader

growth

#21 of 28 • Top 24.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.61%

(Tier: 3.07%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 16.60%, National: 7.90%)

better than tier avg

28 of 64 Large CUs have this signature | 608 nationally

→ Stable (28→28 CUs) | Rank worsening

Credit Quality Leader

growth

#10 of 16 • Top 60.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.28%

(Tier: 0.65%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY

Concerns (2)

Credit Risk Growth

risk

#20 of 25 • Bottom 19.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.04%

(Tier: 4.99%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

25 of 64 Large CUs have this signature | 646 nationally

↓ Shrinking -13 CUs YoY | New qualifier

Credit Quality Pressure

risk

#34 of 34 • Bottom 27.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY | New qualifier

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)

Compare against:

Comparing against 30 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 30 Top 0.0% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Avg: -

#5 of 30 Top 13.3% in 7B-10B tier

Loan Growth Rate

growth

Value: 8.04%

Peer Avg: -

#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (1 metrics)

Efficiency Ratio

profitability

Value: 75.97%

Peer Avg: -

#26 of 30 Bottom 16.7% in 7B-10B tier