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 2.64% 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 0.50% below tier average
- - Efficiency ratio 13.84% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Loan Growth Rate: Bottom 3.1% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Total Deposits: Bottom 3.4% in tier
- - Total Assets: Bottom 3.9% in tier
- - Total Members: Bottom 4.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
-3.7% YoY-3.2% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Bottom 3.9% in tier |
| Assets |
$648,392
-6.8% YoY-8.5% QoQ
|
$-29.5M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.9% in tier |
| Loans |
$292,099
-27.6% YoY-11.2% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.3% in tier |
| Deposits |
$411,559
-9.8% YoY-11.2% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.3% in tier |
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| ROA |
-0.3%
-713.4% YoY-279.4% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.9% in tier |
| NIM |
6.7%
-8.7% YoY+6.3% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
104.5%
+5.1% YoY+7.0% QoQ
|
+13.8% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate |
0.2%
-4.3% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
71.0%
-19.7% YoY-0.0% QoQ
|
+12.5% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$3,866
-15.0% YoY-8.3% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)