BlastPoint's Credit Union Scorecard
HARRIS EMPLOYEES
Charter #67563 · GA
2556 CUs in <100M nationally
42 in GA
HARRIS EMPLOYEES has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 15.05% above tier (higher cost structure)
- - Total Deposits: Bottom 3.8% in tier
- - Total Assets: Bottom 4.1% in tier
- - Total Members: Bottom 4.3% in tier
- - Loan Growth Rate: Bottom 5.4% in tier
- - Total Loans: Bottom 5.4% in tier
- - Members Per Employee (MPE): Bottom 5.6% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
188
+0.5% YoY+0.5% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 4.2% in tier |
| Assets |
$708,348
+7.9% YoY-5.6% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.0% in tier |
| Loans |
$328,998
-20.5% YoY-5.0% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.4% in tier |
| Deposits |
$463,506
+9.5% YoY-8.2% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.8% in tier |
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| ROA |
0.2%
-80.7% YoY-315.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
6.3%
-22.0% YoY-0.2% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
97.6%
+8.8% YoY-3.5% QoQ
|
+15.1% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 13.9% in tier |
| Delinquency Rate |
0.3%
-73.6% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
71.0%
-27.4% YoY+3.4% QoQ
|
+10.4% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$4,215
-5.8% YoY-7.4% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
80
Net Interest Margin (NIM)
profitability
Value:
6.26%
Peer Median: -
#80 of 2556
Top 3.1% in <100M tier
141
Net Worth Ratio
risk
Value:
30.88%
Peer Median: -
#141 of 2556
Top 5.5% in <100M tier
259
Deposit Growth Rate
growth
Value:
9.54%
Peer Median: -
#259 of 2556
Top 10.1% in <100M tier
344
Asset Growth Rate
growth
Value:
7.94%
Peer Median: -
#344 of 2556
Top 13.4% in <100M tier
Top Weaknesses (11 metrics)
2460
Total Deposits
balance_sheet
Value:
$463,506
Peer Median: -
#2460 of 2556
Bottom 3.8% in <100M tier
2453
Total Assets
balance_sheet
Value:
$708,348
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2447
Total Members
engagement
Value:
188
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2419
Loan Growth Rate
growth
Value:
-20.48%
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2418
Total Loans
balance_sheet
Value:
$328,998
Peer Median: -
#2418 of 2556
Bottom 5.4% in <100M tier
2413
Members Per Employee (MPE)
engagement
Value:
94.000
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2391
Average Member Relationship (AMR)
engagement
Value:
$4,215
Peer Median: -
#2391 of 2556
Bottom 6.5% in <100M tier
2291
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,750
Peer Median: -
#2291 of 2556
Bottom 10.4% in <100M tier
2217
AMR Growth Rate
growth
Value:
-5.80%
Peer Median: -
#2217 of 2556
Bottom 13.3% in <100M tier
2215
Net Charge-Off Rate
risk
Value:
1.14%
Peer Median: -
#2215 of 2556
Bottom 13.4% in <100M tier