BlastPoint's Credit Union Scorecard
HARRIS EMPLOYEES
Charter #67563 · GA
HARRIS EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.23% above tier average
- + Net Charge-Off Rate: Top 0.5% in tier
- + Net Worth Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 29.85% above tier (higher cost structure)
- - Delinquency rate 2.41% above tier average
- - Member decline: -3.2% YoY
- - Deposit Growth Rate: Bottom 1.4% in tier
- - AMR Growth Rate: Bottom 1.7% in tier
- - Asset Growth Rate: Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 2.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits -20.8% year over year ($389K in shares and deposits).
- Membership: 180 members, -3.2% vs a year ago.
- Delinquency rate 3.95%.
- Return on assets 1.37%.
- Efficiency ratio 118.61% vs a 88.77% peer average.
- Loan-to-share ratio 68.70% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
180
-3.2% YoY-1.1% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Bottom 3.8% in tier |
| Assets |
$625,584
-14.5% YoY-3.5% QoQ
|
$-29.7M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.5% in tier |
| Loans |
$267,521
-29.2% YoY-8.4% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.9% in tier |
| Deposits |
$389,411
-20.8% YoY-5.4% QoQ
|
$-25.4M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.1% in tier |
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| ROA |
1.4%
-284.4% YoY-492.7% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
6.1%
-5.3% YoY-7.8% QoQ
|
+2.2% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
118.6%
+8.9% YoY+13.5% QoQ
|
+29.8% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate |
4.0%
+1499.1% QoQ
|
+2.4 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.9% in tier |
| Loan To Share |
68.7%
-10.7% YoY-3.2% QoQ
|
+9.8% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$3,650
-22.0% YoY-5.6% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.5% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)