BlastPoint's Credit Union Scorecard
GEORGIA'S OWN
Charter #67390 · GA
GEORGIA'S OWN has 1 strength but faces 3 concerns
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How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 29.7% in tier
- - ROA 0.19% below tier average
- - Delinquency rate 0.92% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
240,147
+0.1% YoY-0.5% QoQ
|
+1.7K |
238,465
+0.6% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$4.3B
+2.2% YoY+0.9% QoQ
|
+$359.6M |
$4.0B
-0.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$3.2B
+3.6% YoY-2.4% QoQ
|
+$202.0M |
$3.0B
+3.3% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$3.6B
+2.1% YoY+1.8% QoQ
|
+$302.2M |
$3.3B
+1.1% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
0.6%
+88.3% YoY-5.5% QoQ
|
-0.2% |
0.7%
+5.3% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
3.6%
+7.9% YoY+1.5% QoQ
|
+0.4% |
3.2%
+13.7% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
69.3%
-8.0% YoY-2.2% QoQ
|
-1.9% |
71.3%
-0.6% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.8%
-9.0% YoY+7.4% QoQ
|
+0.9 |
0.8%
+15.9% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 10.5% in tier |
| Loan To Share |
88.6%
+1.4% YoY-4.2% QoQ
|
-2.2% |
90.8%
+2.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$28,550
+2.7% YoY+0.3% QoQ
|
$-537 |
$29,088
+0.1% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
25.6%
-1.5% YoY+4.8% QoQ
|
-3.4% |
29.0%
+0.7% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
36% |
| Indirect Auto % |
15.5%
-2.5% YoY-4.6% QoQ
|
-3.2% |
18.8%
-3.0% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
48% |
Signature Analysis
Strengths (0)
Concerns (1)
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)