BlastPoint's Credit Union Scorecard
GENUINE PARTS
Charter #67382 · GA
2596 CUs in <100M nationally
43 in GA
GENUINE PARTS has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 12.08% above tier average
- + Net Interest Margin 10.90% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Net Worth Ratio: Top 0.3% in tier
- + Efficiency Ratio: Top 0.4% in tier
- + Members Per Employee (MPE): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
- - Deposit Growth Rate: Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,480
-2.1% YoY-1.4% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$22.3M
+111.1% YoY+5.1% QoQ
|
$-7.5M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$2.6M
-4.9% YoY-0.1% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$6.9M
-14.7% YoY-7.2% QoQ
|
$-18.5M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
12.8%
-5288.3% YoY+185.3% QoQ
|
+12.1% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 0.2% in tier |
| NIM |
14.8%
+182.9% YoY+128.2% QoQ
|
+10.9% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 0.0% in tier |
| Efficiency Ratio |
14.5%
-85.6% YoY-56.3% QoQ
|
-66.9% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
38.3%
+11.4% YoY+7.7% QoQ
|
-22.9% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$6,456
-10.3% YoY-4.0% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Net Interest Margin (NIM)
profitability
Value:
14.83%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
5
Return on Assets (ROA)
profitability
Value:
12.76%
Peer Avg: -
#5 of 2596
Top 0.2% in <100M tier
6
Asset Growth Rate
growth
Value:
111.09%
Peer Avg: -
#6 of 2596
Top 0.2% in <100M tier
10
Net Worth Ratio
risk
Value:
68.86%
Peer Avg: -
#10 of 2596
Top 0.3% in <100M tier
11
Efficiency Ratio
profitability
Value:
14.53%
Peer Avg: -
#11 of 2596
Top 0.4% in <100M tier
102
Members Per Employee (MPE)
engagement
Value:
740.000
Peer Avg: -
#102 of 2596
Top 3.9% in <100M tier
Top Weaknesses (8 metrics)
2514
Deposit Growth Rate
growth
Value:
-14.66%
Peer Avg: -
#2514 of 2596
Bottom 3.2% in <100M tier
2402
AMR Growth Rate
growth
Value:
-10.26%
Peer Avg: -
#2402 of 2596
Bottom 7.5% in <100M tier
2317
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,788
Peer Avg: -
#2317 of 2596
Bottom 10.8% in <100M tier
2252
Average Member Relationship (AMR)
engagement
Value:
$6,456
Peer Avg: -
#2252 of 2596
Bottom 13.3% in <100M tier
2147
Loan-to-Share Ratio
balance_sheet
Value:
38.30%
Peer Avg: -
#2147 of 2596
Bottom 17.3% in <100M tier
2091
Fee Income Per Member
profitability
Value:
$10.76
Peer Avg: -
#2091 of 2596
Bottom 19.5% in <100M tier
2037
Total Loans
balance_sheet
Value:
$2.65M
Peer Avg: -
#2037 of 2596
Bottom 21.6% in <100M tier
2016
Net Charge-Off Rate
risk
Value:
0.69%
Peer Avg: -
#2016 of 2596
Bottom 22.4% in <100M tier