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 0.81% above tier average
- + Net Interest Margin 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 2.9% in tier
- + Average Member Relationship (AMR): Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.07% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,021
-0.1% YoY0% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$22.2M
-0.5% YoY-0.8% QoQ
|
$-7.7M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$13.9M
+1.2% YoY+0.6% QoQ
|
$-1.9M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$17.4M
-3.6% YoY-3.1% QoQ
|
$-8.1M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
1.5%
+298.2% YoY-20.9% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.0%
+18.7% YoY+2.8% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
70.5%
-21.2% YoY+8.1% QoQ
|
-10.9% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
1.6%
-41.5% YoY+28.3% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
80.0%
+5.0% YoY+3.8% QoQ
|
+18.7% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$30,609
-1.5% YoY-1.5% QoQ
|
+$16K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 3.7% in tier |
| CD Concentration |
8.5%
+128.5% YoY+21.2% QoQ
|
-15.9% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)