BlastPoint's Credit Union Scorecard
CORE
Charter #67371 · GA
CORE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 6.13% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 7.1% 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 +1.4% year over year ($130M in shares and deposits).
- Membership: 15,509 members, -0.4% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 0.89%.
- Efficiency ratio 82.86% vs a 76.73% peer average.
- Loan-to-share ratio 71.21% 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 |
15,509
-0.4% YoY-0.4% QoQ
|
+340 |
15,168
-2.6% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$151.6M
+1.8% YoY+0.4% QoQ
|
$-80.4M |
$232.0M
+0.7% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$92.8M
+4.7% YoY+1.5% QoQ
|
$-53.5M |
$146.3M
+0.2% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$130.3M
+1.4% YoY+0.4% QoQ
|
$-70.4M |
$200.7M
+0.2% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.9%
+14.9% YoY+6.5% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
4.1%
-0.7% YoY+2.2% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
82.9%
-2.4% YoY-1.5% QoQ
|
+6.1% |
76.7%
-0.8% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.4%
-0.7% YoY+13.5% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
71.2%
+3.2% YoY+1.1% QoQ
|
-0.3% |
71.5%
-0.3% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$14,386
+3.1% YoY+1.3% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.0% in tier |
| CD Concentration |
20.8%
+12.3% YoY+3.6% QoQ
|
-3.7% | 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 (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)