BlastPoint's Credit Union Scorecard
CGR
Charter #67367 · GA
CGR has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 16.8% in tier
- + Wallet Share Momentum: Top 40.6% in tier
- + ROA 1.06% above tier average
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.9% in tier
- + Fee Income Per Member: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 3.3% in tier
- - Membership Headwinds: Bottom 6.0% in tier
- - Liquidity Overhang: Bottom 11.3% in tier
- - Member decline: -5.7% YoY
- - Average Member Relationship (AMR): Bottom 1.6% in tier
- - Total Deposits: Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Total Loans: Bottom 4.3% in tier
- - Member Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,400
-5.7% YoY-1.0% QoQ
|
-4.2K |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$114.6M
+1.9% YoY-0.4% QoQ
|
$-116.7M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.2% in tier |
| Loans |
$46.3M
+6.8% YoY+1.2% QoQ
|
$-101.5M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.2% in tier |
| Deposits |
$87.1M
-0.4% YoY-1.2% QoQ
|
$-113.2M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.6% in tier |
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| ROA |
1.8%
+23.1% YoY+3.9% QoQ
|
+1.1% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 4.9% in tier |
| NIM |
3.9%
+15.2% YoY+3.7% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
67.3%
-8.4% YoY-1.1% QoQ
|
-10.0% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.6%
-13.6% YoY-33.3% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
45% |
| Loan To Share |
53.1%
+7.2% YoY+2.4% QoQ
|
-19.6% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.9% in tier |
| AMR |
$11,702
+8.1% YoY+0.6% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.5% in tier |
| CD Concentration |
18.3%
+15.7% YoY+4.7% QoQ
|
-6.1% |
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 (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)