BlastPoint's Credit Union Scorecard
HARRIS EMPLOYEES
Charter #67563 · GA
2596 CUs in <100M nationally
43 in GA
HARRIS EMPLOYEES has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.2% in tier
- + Net Charge-Off Rate: Top 3.2% in tier
- + Asset Growth Rate: Top 4.9% in tier
- + Net Worth Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 19.74% above tier (higher cost structure)
- - Total Deposits: Bottom 4.2% in tier
- - Total Members: Bottom 4.3% in tier
- - Total Assets: Bottom 4.5% in tier
- - Total Loans: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Loan Growth Rate: Bottom 7.2% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
187
+2.2% YoY+0.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 4.2% in tier |
| Assets |
$750,500
+12.5% YoY+2.6% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.4% in tier |
| Loans |
$346,333
-18.7% YoY-8.4% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.7% in tier |
| Deposits |
$504,743
+16.5% YoY+2.7% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.2% in tier |
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| ROA |
-0.1%
-143.6% YoY-87.8% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.0% in tier |
| NIM |
6.3%
-14.9% YoY-3.2% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
101.1%
+3.5% YoY-7.2% QoQ
|
+19.7% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 10.2% in tier |
| Delinquency Rate | 1.0% | -0.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
68.6%
-30.2% YoY-10.8% QoQ
|
+7.4% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$4,551
-3.1% YoY-2.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.9% in tier |
| CD Concentration | 0.0% | -24.4% |
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 (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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
81
Net Interest Margin (NIM)
profitability
Value:
6.27%
Peer Avg: -
#81 of 2596
Top 3.1% in <100M tier
83
Deposit Growth Rate
growth
Value:
16.46%
Peer Avg: -
#83 of 2596
Top 3.2% in <100M tier
84
Net Charge-Off Rate
risk
Value:
-0.16%
Peer Avg: -
#84 of 2596
Top 3.2% in <100M tier
127
Asset Growth Rate
growth
Value:
12.55%
Peer Avg: -
#127 of 2596
Top 4.9% in <100M tier
172
Net Worth Ratio
risk
Value:
29.08%
Peer Avg: -
#172 of 2596
Top 6.6% in <100M tier
416
Member Growth Rate
growth
Value:
2.19%
Peer Avg: -
#416 of 2596
Top 16.0% in <100M tier
Top Weaknesses (11 metrics)
2487
Total Deposits
balance_sheet
Value:
$504,743
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2486
Total Members
engagement
Value:
187
Peer Avg: -
#2486 of 2596
Bottom 4.3% in <100M tier
2481
Total Assets
balance_sheet
Value:
$750,500
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2449
Total Loans
balance_sheet
Value:
$346,333
Peer Avg: -
#2449 of 2596
Bottom 5.7% in <100M tier
2448
Members Per Employee (MPE)
engagement
Value:
93.500
Peer Avg: -
#2448 of 2596
Bottom 5.7% in <100M tier
2411
Loan Growth Rate
growth
Value:
-18.70%
Peer Avg: -
#2411 of 2596
Bottom 7.2% in <100M tier
2392
Average Member Relationship (AMR)
engagement
Value:
$4,551
Peer Avg: -
#2392 of 2596
Bottom 7.9% in <100M tier
2332
Efficiency Ratio
profitability
Value:
101.13%
Peer Avg: -
#2332 of 2596
Bottom 10.2% in <100M tier
2298
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,852
Peer Avg: -
#2298 of 2596
Bottom 11.5% in <100M tier
2233
Return on Assets (ROA)
profitability
Value:
-0.09%
Peer Avg: -
#2233 of 2596
Bottom 14.0% in <100M tier