BlastPoint's Credit Union Scorecard
GEORGIA'S OWN
Charter #67390 · GA
GEORGIA'S OWN has 2 strengths but faces 6 concerns
How does the industry compare?
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How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 84.9% in tier
- - Indirect Auto Dependency: Bottom 94.4% in tier
- - Delinquency rate 0.32% above tier average
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
- - Loan Growth Rate: Bottom 9.1% in tier
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Georgia.
- Shares and deposits +0.5% year over year ($3.59B in shares and deposits).
- Membership: 240,275 members, -0.4% vs a year ago.
- Delinquency rate 1.15%.
- Return on assets 1.10%.
- Efficiency ratio 68.79% vs a 69.45% peer average.
- Loan-to-share ratio 88.25% vs a 90.24% 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 |
240,275
-0.4% YoY-0.8% QoQ
|
+23.7K |
216,545
-9.5% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$4.2B
-1.7% YoY-2.6% QoQ
|
+$315.4M |
$3.9B
-1.6% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$3.2B
-4.1% YoY-0.8% QoQ
|
+$234.0M |
$2.9B
-1.2% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$3.6B
+0.5% YoY-2.5% QoQ
|
+$329.1M |
$3.3B
-2.6% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
1.1%
+88.9% YoY-394.8% QoQ
|
+0.2% |
0.9%
+25.3% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
3.4%
-6.1% YoY+3.2% QoQ
|
+0.1% |
3.2%
+3.8% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
68.8%
-2.9% YoY+1.4% QoQ
|
-0.7% |
69.5%
-2.3% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
1.1%
-30.1% YoY-32.0% QoQ
|
+0.3 |
0.8%
+5.5% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
88.3%
-4.5% YoY+1.8% QoQ
|
-2.0% |
90.2%
+0.9% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$28,099
-1.3% YoY-1.0% QoQ
|
$-3K |
$31,018
+6.9% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
24.7%
+1.1% YoY+1.5% QoQ
|
-4.4% | 29.1% | 20.2% | 20.0% | 30% |
| Indirect Auto % |
15.2%
-6.7% YoY+1.0% QoQ
|
-2.9% | 18.1% | 4.3% | 7.7% | 48% |
Signature Analysis
Strengths (0)
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)