BlastPoint's Credit Union Scorecard

CORE

Charter #67371 · GA

1069 CUs in 100M-500M nationally 20 in GA

CORE has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.01% above tier average
+ Net Interest Margin 0.56% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 38.7% in tier
- Stagnation Risk: Bottom 97.3% in tier
- Membership Headwinds: Bottom 98.5% in tier
- Efficiency ratio 8.37% above tier (higher cost structure)
- Average Member Relationship (AMR): 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	15,516 -0.5% YoY-0.5% QoQ	+78	15,437 -2.9% YoY	30,943 +6.6% YoY	33,374 +5.7% YoY	60%
Assets	$147.8M +4.1% YoY+0.6% QoQ	$-84.0M	$231.9M +1.3% YoY	$501.1M +9.5% YoY	$561.6M +9.7% YoY	30%
Loans	$90.1M +3.9% YoY+0.8% QoQ	$-57.2M	$147.3M -0.1% YoY	$341.6M +10.9% YoY	$397.0M +8.8% YoY	29%
Deposits	$127.0M +3.2% YoY+0.3% QoQ	$-73.8M	$200.8M +0.8% YoY	$429.0M +7.8% YoY	$477.3M +9.7% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +79.2% YoY-3.5% QoQ	+0.0%	0.8% +18.2% YoY	0.9% +34.6% YoY	0.7% +15.9% YoY	52%
NIM	4.2% +5.4% YoY+0.9% QoQ	+0.6%	3.6% +6.7% YoY	4.1% +4.4% YoY	3.8% +5.1% YoY	80%
Efficiency Ratio	85.4% -4.7% YoY+1.3% QoQ	+8.4%	77.0% -3.1% YoY	77.1% -0.1% YoY	79.7% -3.3% YoY	79%
Delinquency Rate	0.3% -25.5% YoY-14.2% QoQ	-0.6	0.9% +4.2% YoY	1.2% -6.4% YoY	1.3% -2.1% YoY	18%
Loan To Share	71.0% +0.6% YoY+0.4% QoQ	-1.3%	72.2% -1.1% YoY	72.9% +1.7% YoY	67.4% -1.7% YoY	44%
AMR	$13,992 +4.1% YoY+1.0% QoQ	$-11K	$24,676 +3.4% YoY	$17,497 +5.6% YoY	$19,687 +2.0% YoY	Bottom 6.4% in tier
CD Concentration	20.1% +16.2% YoY+4.2% QoQ	-4.3%	24.4%	20.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.4%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#209 of 538 • Bottom 38.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.39%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.34% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -0.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Stagnation Risk

risk

#539 of 554 • Bottom 97.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.90%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.33%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#546 of 554 • Bottom 98.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

198

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: -

#198 of 1069 Top 18.4% in 100M-500M tier

213

Net Interest Margin (NIM)

profitability

Value: 4.16%

Peer Median: -

#213 of 1069 Top 19.8% in 100M-500M tier

Top Weaknesses (3 metrics)

1001

Average Member Relationship (AMR)

engagement

Value: $13,992

Peer Median: -

#1001 of 1069 Bottom 6.5% in 100M-500M tier

946

Loan-to-Member Ratio (LMR)

engagement

Value: $5,808

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

846

Efficiency Ratio

profitability

Value: 85.39%

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier