BlastPoint's Credit Union Scorecard

NORTH GEORGIA

Charter #67395 · GA

1077 CUs in 100M-500M nationally 20 in GA

NORTH GEORGIA has 9 strengths but faces 8 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 18.8% in tier
+ Organic Growth Leader: Top 24.2% in tier
+ Wallet Share Momentum: Top 36.7% in tier
+ Emerging Performer: Top 92.1% in tier
+ ROA 0.12% above tier average
+ Net Interest Margin 1.02% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Deposit Growth Rate: Top 8.1% in tier
+ Asset Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 19.3% in tier
- Credit Risk Growth: Bottom 22.2% in tier
- Efficiency Drag: Bottom 25.6% in tier
- Credit Quality Pressure: Bottom 28.2% in tier
- Efficiency ratio 4.04% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 7.3% in tier
- Total Assets: Bottom 9.3% in tier
- Total Deposits: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	12,175 +1.4% YoY-0.3% QoQ	-3.5K	15,628 -3.4% YoY	30,529 +3.7% YoY	33,089 +6.1% YoY	43%
Assets	$113.7M +10.6% YoY+1.6% QoQ	$-117.6M	$231.3M -0.0% YoY	$489.5M +5.8% YoY	$547.7M +7.8% YoY	Bottom 9.2% in tier
Loans	$87.2M +8.6% YoY+2.3% QoQ	$-60.6M	$147.8M -1.4% YoY	$335.0M +9.2% YoY	$388.7M +8.6% YoY	26%
Deposits	$98.9M +11.5% YoY+2.0% QoQ	$-101.4M	$200.3M -0.0% YoY	$419.7M +4.9% YoY	$464.6M +9.3% YoY	Bottom 9.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -34.3% YoY-4.2% QoQ	+0.1%	0.8% +15.5% YoY	1.1% +41.8% YoY	0.7% +273.4% YoY	60%
NIM	4.6% -4.2% YoY+0.0% QoQ	+1.0%	3.6% +6.9% YoY	4.2% +4.4% YoY	3.7% +5.0% YoY	Top 7.3% in tier
Efficiency Ratio	81.3% +7.7% YoY+0.4% QoQ	+4.0%	77.3% -3.0% YoY	76.7% +1.1% YoY	79.1% -3.3% YoY	65%
Delinquency Rate	0.5% +3.1% YoY+0.7% QoQ	-0.4	0.9% +7.6% YoY	1.3% +2.5% YoY	1.2% -0.9% YoY	35%
Loan To Share	88.2% -2.6% YoY+0.2% QoQ	+15.5%	72.7% -1.5% YoY	72.3% +1.1% YoY	68.0% -1.7% YoY	81%
AMR	$15,285 +8.6% YoY+2.5% QoQ	$-9K	$24,363 +2.9% YoY	$17,296 +4.1% YoY	$19,418 +1.3% YoY	Bottom 10.8% in tier
CD Concentration	26.9% +31.2% YoY+9.6% QoQ	+2.5%	24.4% +4.2% YoY	19.9% +4.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	4.6% +4.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#346 of 603 • Top 18.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.37%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#319 of 430 • Top 24.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.37%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#177 of 481 • Top 36.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.61%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Emerging Performer

growth

#176 of 191 • Top 92.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.37%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline

#82 of 136 • Bottom 19.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.37%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.47% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Credit Risk Growth

risk

#334 of 446 • Bottom 22.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.60%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk

#453 of 521 • Bottom 25.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.31%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.47% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 1.37%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Credit Quality Pressure

risk

#699 of 736 • Bottom 28.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.61%

Peer Avg: -

#79 of 1077 Top 7.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.46%

Peer Avg: -

#88 of 1077 Top 8.1% in 100M-500M tier

103

Asset Growth Rate

growth

Value: 10.62%

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

137

AMR Growth Rate

growth

Value: 8.61%

Peer Avg: -

#137 of 1077 Top 12.6% in 100M-500M tier

204

Loan-to-Share Ratio

balance_sheet

Value: 88.17%

Peer Avg: -

#204 of 1077 Top 18.8% in 100M-500M tier

220

Loan Growth Rate

growth

Value: 8.60%

Peer Avg: -

#220 of 1077 Top 20.3% in 100M-500M tier

Top Weaknesses (6 metrics)

999

First Mortgage Concentration (%)

balance_sheet

Value: 57.43%

Peer Avg: -

#999 of 1077 Bottom 7.3% in 100M-500M tier

978

Total Assets

balance_sheet

Value: $113.69M

Peer Avg: -

#978 of 1077 Bottom 9.3% in 100M-500M tier

973

Total Deposits

balance_sheet

Value: $98.90M

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

961

Average Member Relationship (AMR)

engagement

Value: $15,285

Peer Avg: -

#961 of 1077 Bottom 10.9% in 100M-500M tier

907

Members Per Employee (MPE)

engagement

Value: 243.500

Peer Avg: -

#907 of 1077 Bottom 15.9% in 100M-500M tier

811

Loan-to-Member Ratio (LMR)

engagement

Value: $7,162

Peer Avg: -

#811 of 1077 Bottom 24.8% in 100M-500M tier