BlastPoint's Credit Union Scorecard

CORE

Charter #67371 · GA

100M-500M

1070 CUs in 100M-500M nationally 18 in GA

CORE has 2 strengths but faces 3 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 0.11% above tier average
+ Net Interest Margin 0.35% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 6.12% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	15,569 +0.0% YoY+0.3% QoQ	+423	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	61%
Assets	$151.0M +3.2% YoY+2.1% QoQ	$-80.7M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	31%
Loans	$91.4M +5.5% YoY+1.4% QoQ	$-52.8M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	32%
Deposits	$129.8M +2.3% YoY+2.2% QoQ	$-71.4M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	30%

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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% +20.0% YoY+7.4% QoQ	+0.1%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	60%
NIM	4.0% -2.1% YoY-4.3% QoQ	+0.4%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	84.1% -1.7% YoY-1.5% QoQ	+6.1%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	0.3% -13.6% YoY-1.8% QoQ	-0.5	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	24%
Loan To Share	70.4% +3.2% YoY-0.8% QoQ	+0.0%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	48%
AMR	$14,206 +3.6% YoY+1.5% QoQ	$-11K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	Bottom 6.8% in tier
CD Concentration	20.1% +13.5% YoY-0.0% QoQ	-4.2%	24.3%	20.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Efficiency Drag

risk

#132 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 84.14%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.03%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

259

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: 0.61%

#259 of 1070 Top 24.1% in 100M-500M tier

Top Weaknesses (2 metrics)

997

Average Member Relationship (AMR)

engagement

Value: $14,206

Peer Median: $22,931

#997 of 1070 Bottom 6.9% in 100M-500M tier

937

Loan-to-Member Ratio (LMR)

engagement

Value: $5,870

Peer Median: $9,356

#937 of 1070 Bottom 12.5% in 100M-500M tier