BlastPoint's Credit Union Scorecard
WORKMEN'S CIRCLE INCORPORATED
Charter #67892 · GA
WORKMEN'S CIRCLE INCORPORATED has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 1.38% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 0.2% in tier
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Loan-to-Member Ratio (LMR): Top 0.2% in tier
- + Loan-to-Share Ratio: Top 2.1% in tier
- + Net Charge-Off Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Total Members: Bottom 0.2% in tier
- - First Mortgage Concentration (%): Bottom 4.3% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Fee Income Per Member: Bottom 7.3% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
- Shares and deposits +3.5% year over year ($107M in shares and deposits).
- Membership: 1,678 members, -0.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 2.24%.
- Efficiency ratio 28.06% vs a 76.73% peer average.
- Loan-to-share ratio 101.83% vs a 71.54% 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 |
1,678
-0.2% YoY-0.2% QoQ
|
-13.5K |
15,168
-2.6% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$135.0M
+5.2% YoY-0.7% QoQ
|
$-97.1M |
$232.0M
+0.7% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$108.5M
+0.4% YoY+1.3% QoQ
|
$-37.7M |
$146.3M
+0.2% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$106.6M
+3.5% YoY-1.8% QoQ
|
$-94.1M |
$200.7M
+0.2% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
15% |
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| ROA |
2.2%
+24.7% YoY+4.2% QoQ
|
+1.4% |
0.9%
+12.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
Top 2.0% in tier |
| NIM |
3.0%
+15.2% YoY+3.2% QoQ
|
-0.7% |
3.7%
+4.5% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
28.1%
-9.3% YoY-2.3% QoQ
|
-48.7% |
76.7%
-0.8% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Top 0.2% in tier |
| Delinquency Rate | 0.0% | -0.9 |
0.9%
+6.6% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
101.8%
-3.1% YoY+3.2% QoQ
|
+30.3% |
71.5%
-0.3% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 2.1% in tier |
| AMR |
$128,215
+2.1% YoY-0.0% QoQ
|
+$103K |
$25,107
+3.2% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Top 0.3% in tier |
| CD Concentration |
24.0%
+3.8% YoY-10.0% QoQ
|
-0.5% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)