BlastPoint's Credit Union Scorecard
CGR
Charter #67367 · GA
CGR has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.05% above tier average
- + Net Interest Margin 0.27% above tier average
- + Net Worth Ratio: Top 2.1% in tier
- + Fee Income Per Member: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -2.1% YoY
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Total Deposits: Bottom 3.4% in tier
- - Total Loans: Bottom 5.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
- Shares and deposits +2.0% year over year ($90.0M in shares and deposits).
- Membership: 11,274 members, -2.1% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 1.92%.
- Efficiency ratio 71.32% vs a 76.73% peer average.
- Loan-to-share ratio 51.91% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,274
-2.1% YoY+0.3% QoQ
|
-3.9K |
15,168
-2.6% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$120.0M
+4.3% YoY+0.4% QoQ
|
$-112.0M |
$232.0M
+0.7% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.3% in tier |
| Loans |
$46.7M
+2.1% YoY+1.1% QoQ
|
$-99.5M |
$146.3M
+0.2% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.9% in tier |
| Deposits |
$90.0M
+2.0% YoY-1.0% QoQ
|
$-110.7M |
$200.7M
+0.2% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.3% in tier |
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| ROA |
1.9%
+8.1% YoY+3.8% QoQ
|
+1.1% |
0.9%
+12.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
Top 4.3% in tier |
| NIM |
4.0%
+4.6% YoY+1.5% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
71.3%
+4.8% YoY-0.4% QoQ
|
-5.4% |
76.7%
-0.8% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.5%
-41.8% YoY+60.3% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
51.9%
+0.1% YoY+2.2% QoQ
|
-19.6% |
71.5%
-0.3% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.9% in tier |
| AMR |
$12,130
+4.3% YoY-0.6% QoQ
|
$-13K |
$25,107
+3.2% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.7% in tier |
| CD Concentration |
17.6%
+0.5% YoY+3.7% QoQ
|
-6.9% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)