BlastPoint's Credit Union Scorecard

NORTH GEORGIA

Charter #67395 · GA

100M-500M

1069 CUs in 100M-500M nationally 20 in GA

NORTH GEORGIA has 4 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.96% above tier average
+ AMR Growth Rate: Top 3.9% in tier
+ Asset Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency ratio 6.69% above tier (higher cost structure)
- Member decline: -4.9% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	11,544 -4.9% YoY-5.2% QoQ	-3.9K	15,437 -2.9% YoY	30,943 +6.6% YoY	33,374 +5.7% YoY	39%
Assets	$116.4M +10.7% YoY+2.4% QoQ	$-115.4M	$231.9M +1.3% YoY	$501.1M +9.5% YoY	$561.6M +9.7% YoY	Bottom 10.7% in tier
Loans	$88.1M +8.5% YoY+1.0% QoQ	$-59.2M	$147.3M -0.1% YoY	$341.6M +10.9% YoY	$397.0M +8.8% YoY	28%
Deposits	$99.4M +8.9% YoY+0.5% QoQ	$-101.4M	$200.8M +0.8% YoY	$429.0M +7.8% YoY	$477.3M +9.7% 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	0.8% -38.2% YoY-15.0% QoQ	+0.0%	0.8% +18.2% YoY	0.9% +34.6% YoY	0.7% +15.9% YoY	51%
NIM	4.6% -4.2% YoY-0.9% QoQ	+1.0%	3.6% +6.7% YoY	4.1% +4.4% YoY	3.8% +5.1% YoY	Top 8.0% in tier
Efficiency Ratio	83.7% +8.3% YoY+2.9% QoQ	+6.7%	77.0% -3.1% YoY	77.1% -0.1% YoY	79.7% -3.3% YoY	74%
Delinquency Rate	0.5% +0.9% YoY+2.6% QoQ	-0.4	0.9% +4.2% YoY	1.2% -6.4% YoY	1.3% -2.1% YoY	30%
Loan To Share	88.6% -0.4% YoY+0.5% QoQ	+16.4%	72.2% -1.1% YoY	72.9% +1.7% YoY	67.4% -1.7% YoY	82%
AMR	$16,245 +14.3% YoY+6.3% QoQ	$-8K	$24,676 +3.4% YoY	$17,497 +5.6% YoY	$19,687 +2.0% YoY	Bottom 13.8% in tier
CD Concentration	27.5% +29.4% YoY+2.2% QoQ	+3.1%	24.4%	20.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.4%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#61 of 513 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 14.29%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#136 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.88%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#368 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.88%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 8.47%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.48%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Margin Compression

decline

#90 of 123 • Bottom 50.0% 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: 0.77%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.24%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.47% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Credit Risk Growth

risk

#358 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.47%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk

#488 of 538 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 83.70%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.47% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.88%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Quality Pressure

risk

#696 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 14.29%

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.57%

Peer Median: -

#86 of 1069 Top 8.0% in 100M-500M tier

106

Asset Growth Rate

growth

Value: 10.73%

Peer Median: -

#106 of 1069 Top 9.8% in 100M-500M tier

173

Deposit Growth Rate

growth

Value: 8.93%

Peer Median: -

#173 of 1069 Top 16.1% in 100M-500M tier

188

Loan-to-Share Ratio

balance_sheet

Value: 88.64%

Peer Median: -

#188 of 1069 Top 17.5% in 100M-500M tier

235

Loan Growth Rate

growth

Value: 8.47%

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

Top Weaknesses (6 metrics)

995

First Mortgage Concentration (%)

balance_sheet

Value: 57.67%

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

965

Total Deposits

balance_sheet

Value: $99.41M

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

958

Member Growth Rate

growth

Value: -4.88%

Peer Median: -

#958 of 1069 Bottom 10.5% in 100M-500M tier

955

Total Assets

balance_sheet

Value: $116.43M

Peer Median: -

#955 of 1069 Bottom 10.8% in 100M-500M tier

928

Members Per Employee (MPE)

engagement

Value: 235.592

Peer Median: -

#928 of 1069 Bottom 13.3% in 100M-500M tier

921

Average Member Relationship (AMR)

engagement

Value: $16,245

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier