BlastPoint's Credit Union Scorecard
CREDIT UNION OF ATLANTA
Charter #67383 · GA
CREDIT UNION OF ATLANTA has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Total Members: Top 0.3% in tier
- + Total Loans: Top 5.8% in tier
- + Total Deposits: Top 7.0% in tier
- + Total Assets: Top 7.6% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 5.19% above tier (higher cost structure)
- - Delinquency rate 1.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,289
+0.6% YoY+0.3% QoQ
|
+11.6K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Top 0.4% in tier |
| Assets |
$79.4M
-2.2% YoY-0.3% QoQ
|
+$49.2M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Top 7.6% in tier |
| Loans |
$47.8M
-1.8% YoY-1.4% QoQ
|
+$32.5M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 5.8% in tier |
| Deposits |
$69.1M
-3.4% YoY-0.2% QoQ
|
+$43.3M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Top 7.1% in tier |
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| ROA |
-0.6%
-263.3% YoY-257.3% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.8% in tier |
| NIM |
4.2%
+0.4% YoY-2.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
95.8%
+4.1% YoY+6.4% QoQ
|
+5.2% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
3.0%
+227.0% YoY+31.5% QoQ
|
+1.5 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.6% in tier |
| Loan To Share |
69.2%
+1.6% YoY-1.3% QoQ
|
+10.7% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$8,181
-3.4% YoY-1.0% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
9.2%
+24.7% YoY-0.2% QoQ
|
-15.0% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)