BlastPoint's Credit Union Scorecard
CGR
Charter #67367 · GA
CGR has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.12% above tier average
- + Net Interest Margin 0.26% above tier average
- + Net Worth Ratio: Top 2.1% in tier
- + Fee Income Per Member: Top 4.7% 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: -5.6% YoY
- - Average Member Relationship (AMR): Bottom 2.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- - Total Deposits: Bottom 4.6% in tier
- - Total Loans: Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,245
-5.6% YoY+1.0% QoQ
|
-3.9K |
15,145
-2.5% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$119.5M
+2.0% YoY+2.0% QoQ
|
$-112.2M |
$231.7M
+0.8% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.3% in tier |
| Loans |
$46.2M
+1.9% YoY-1.5% QoQ
|
$-97.9M |
$144.1M
+0.2% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.0% in tier |
| Deposits |
$91.0M
+0.3% YoY+2.2% QoQ
|
$-110.2M |
$201.1M
+0.4% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.5% in tier |
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| ROA |
1.8%
-0.1% YoY+6.8% QoQ
|
+1.1% |
0.7%
+5.1% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Top 5.1% in tier |
| NIM |
3.9%
+4.3% YoY-0.5% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
71.6%
+5.3% YoY+3.7% QoQ
|
-6.4% |
78.0%
-1.7% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
0.3%
-56.7% YoY-32.7% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
50.8%
+1.7% YoY-3.6% QoQ
|
-19.6% |
70.4%
-0.4% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.9% in tier |
| AMR |
$12,197
+6.8% YoY-0.1% QoQ
|
$-13K |
$24,918
+2.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.1% in tier |
| CD Concentration |
17.0%
-0.1% YoY-5.8% QoQ
|
-7.3% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)