BlastPoint's Credit Union Scorecard
GLYNN COUNTY FEDERAL EMPLOYEES
Charter #67354 · GA
GLYNN COUNTY FEDERAL EMPLOYEES has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.9% in tier
- + Loan-to-Member Ratio (LMR): Top 2.9% in tier
- + Average Member Relationship (AMR): Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.75% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,023
-0.2% YoY+0.2% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$21.5M
+4.8% YoY-3.0% QoQ
|
$-8.6M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$14.1M
+3.5% YoY+1.8% QoQ
|
$-1.6M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$16.2M
+1.2% YoY-6.4% QoQ
|
$-9.4M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
1.4%
+268.2% YoY-3.1% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.1%
+16.5% YoY+4.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
70.7%
-21.1% YoY+0.2% QoQ
|
-11.9% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
2.3%
-3.8% YoY+46.6% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
87.0%
+2.2% YoY+8.8% QoQ
|
+26.4% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 13.1% in tier |
| AMR |
$29,704
+2.4% YoY-3.0% QoQ
|
+$15K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Top 4.5% in tier |
| CD Concentration |
9.4%
+123.5% YoY+10.1% QoQ
|
-15.0% | 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)