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
- + Wallet Share Momentum: Top 22.7% in tier
- + ROA 0.97% above tier average
- + Net Interest Margin 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.9% in tier
- + Fee Income Per Member: Top 4.9% in tier
- + AMR Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 11.2% in tier
- - Membership Headwinds: Bottom 14.5% in tier
- - Stagnation Risk: Bottom 49.4% in tier
- - Member decline: -7.0% YoY
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Total Loans: Bottom 4.7% in tier
- - Member Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,129
-7.0% YoY-2.4% QoQ
|
-4.3K |
15,437
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$117.2M
+4.3% YoY+2.3% QoQ
|
$-114.7M |
$231.9M
+1.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.4% in tier |
| Loans |
$46.9M
+4.0% YoY+1.3% QoQ
|
$-100.5M |
$147.3M
-0.1% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.6% in tier |
| Deposits |
$89.0M
+2.7% YoY+2.1% QoQ
|
$-111.8M |
$200.8M
+0.8% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
+8.6% YoY-6.1% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 5.6% in tier |
| NIM |
3.9%
+12.2% YoY-0.2% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
69.1%
-4.5% YoY+2.7% QoQ
|
-7.9% |
77.0%
-3.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.5%
-46.9% YoY-19.2% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
52.7%
+1.3% YoY-0.8% QoQ
|
-19.5% |
72.2%
-1.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.8% in tier |
| AMR |
$12,209
+10.9% YoY+4.3% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.5% in tier |
| CD Concentration |
18.0%
+13.5% YoY-1.7% QoQ
|
-6.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)