BlastPoint's Credit Union Scorecard
GENUINE PARTS
Charter #67382 · GA
2556 CUs in <100M nationally
42 in GA
GENUINE PARTS has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.27% above tier average
- + Net Interest Margin 1.22% 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
- + Net Worth Ratio: Top 0.3% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Members Per Employee (MPE): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 6.0% in tier
- - Deposit Growth Rate: Bottom 6.6% in tier
- - AMR Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,476
-2.3% YoY-0.3% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$20.9M
-0.8% YoY-6.6% QoQ
|
$-9.3M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$2.6M
-8.3% YoY-3.0% QoQ
|
$-13.2M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$6.9M
-10.3% YoY-0.3% QoQ
|
$-18.8M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
2.9%
+244.6% YoY-77.3% QoQ
|
+2.3% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 1.6% in tier |
| NIM |
5.2%
+18.3% YoY-65.1% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 11.0% in tier |
| Efficiency Ratio |
41.6%
-46.6% YoY+186.1% QoQ
|
-41.0% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
37.3%
+2.3% YoY-2.7% QoQ
|
-23.4% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$6,408
-7.7% YoY-0.7% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.9% in tier |
| CD Concentration | 0.0% | -24.4% | 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 (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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
8
Net Worth Ratio
risk
Value:
66.69%
Peer Median: -
#8 of 2556
Top 0.3% in <100M tier
42
Return on Assets (ROA)
profitability
Value:
2.89%
Peer Median: -
#42 of 2556
Top 1.6% in <100M tier
48
Efficiency Ratio
profitability
Value:
41.57%
Peer Median: -
#48 of 2556
Top 1.8% in <100M tier
105
Members Per Employee (MPE)
engagement
Value:
738.000
Peer Median: -
#105 of 2556
Top 4.1% in <100M tier
281
Net Interest Margin (NIM)
profitability
Value:
5.17%
Peer Median: -
#281 of 2556
Top 11.0% in <100M tier
Top Weaknesses (8 metrics)
2403
Net Charge-Off Rate
risk
Value:
2.00%
Peer Median: -
#2403 of 2556
Bottom 6.0% in <100M tier
2388
Deposit Growth Rate
growth
Value:
-10.33%
Peer Median: -
#2388 of 2556
Bottom 6.6% in <100M tier
2312
AMR Growth Rate
growth
Value:
-7.70%
Peer Median: -
#2312 of 2556
Bottom 9.6% in <100M tier
2295
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,739
Peer Median: -
#2295 of 2556
Bottom 10.3% in <100M tier
2225
Average Member Relationship (AMR)
engagement
Value:
$6,408
Peer Median: -
#2225 of 2556
Bottom 13.0% in <100M tier
2132
Loan-to-Share Ratio
balance_sheet
Value:
37.26%
Peer Median: -
#2132 of 2556
Bottom 16.6% in <100M tier
2087
Fee Income Per Member
profitability
Value:
$10.42
Peer Median: -
#2087 of 2556
Bottom 18.4% in <100M tier
2016
Total Loans
balance_sheet
Value:
$2.57M
Peer Median: -
#2016 of 2556
Bottom 21.2% in <100M tier