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 0.41% above tier average
- + Total Members: Top 0.3% in tier
- + Total Loans: Top 6.6% in tier
- + Total Deposits: Top 7.2% in tier
- + Total Assets: Top 8.1% in tier
- + Members Per Employee (MPE): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.05% below tier average
- - Efficiency ratio 6.10% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits -3.8% year over year ($69.1M in shares and deposits).
- Membership: 14,371 members, +0.3% vs a year ago.
- Delinquency rate 1.92%.
- Return on assets 0.44%.
- Efficiency ratio 94.87% vs a 88.77% peer average.
- Loan-to-share ratio 67.65% vs a 58.89% 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 |
14,371
+0.3% YoY+0.6% QoQ
|
+11.8K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Top 0.4% in tier |
| Assets |
$79.1M
-3.1% YoY-0.4% QoQ
|
+$48.8M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Top 8.2% in tier |
| Loans |
$46.7M
-3.1% YoY-2.3% QoQ
|
+$31.3M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Top 6.6% in tier |
| Deposits |
$69.1M
-3.8% YoY-0.0% QoQ
|
+$43.3M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 7.3% in tier |
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| ROA |
0.4%
+9.6% YoY-170.4% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
4.3%
+1.6% YoY+2.4% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
94.9%
+4.2% YoY-1.0% QoQ
|
+6.1% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.9%
+12.1% YoY-35.8% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
67.6%
+0.7% YoY-2.2% QoQ
|
+8.8% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$8,058
-3.8% YoY-1.5% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
10.3%
+24.5% YoY+11.2% QoQ
|
-14.3% | 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 (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)