BlastPoint's Credit Union Scorecard
GEORGIA'S OWN
Charter #67390 · GA
GEORGIA'S OWN has 1 strength but faces 7 concerns
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How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 63.3% in tier
- - Indirect Auto Dependency: Bottom 89.2% in tier
- - ROA 0.23% below tier average
- - Delinquency rate 1.11% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
- - Loan Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
240,374
-0.0% YoY+0.1% QoQ
|
+10.0K |
230,353
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$4.4B
+4.7% YoY+1.2% QoQ
|
+$442.1M |
$3.9B
+0.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$3.1B
-3.0% YoY-2.5% QoQ
|
+$204.6M |
$2.9B
-0.2% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$3.7B
+2.5% YoY+0.5% QoQ
|
+$342.2M |
$3.3B
-0.3% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.5%
-244.1% YoY-12.0% QoQ
|
-0.2% |
0.7%
+16.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.6%
+5.3% YoY-1.5% QoQ
|
+0.4% |
3.1%
+9.8% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
70.3%
-10.5% YoY+1.4% QoQ
|
-1.1% |
71.4%
-1.4% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
2.0%
+4.6% YoY+12.3% QoQ
|
+1.1 |
0.9%
+5.8% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 6.6% in tier |
| Loan To Share |
86.0%
-5.3% YoY-3.0% QoQ
|
-3.0% |
88.9%
-0.2% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$28,259
-0.1% YoY-1.0% QoQ
|
$-1K |
$29,682
+1.5% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
26.2%
+2.2% YoY+2.4% QoQ
|
-2.9% | 29.0% | 20.5% | 19.8% | 38% |
| Indirect Auto % |
15.1%
-6.3% YoY-3.0% QoQ
|
-3.2% | 18.3% | 4.4% | 7.8% | 48% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)