BlastPoint's Credit Union Scorecard
WORKMEN'S CIRCLE INCORPORATED
Charter #67892 · GA
WORKMEN'S CIRCLE INCORPORATED has 13 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 31.7% in tier
- + Relationship Depth Leader: Top 41.2% in tier
- + Wallet Share Momentum: Top 81.8% in tier
- + Organic Growth Leader: Top 89.7% in tier
- + ROA 1.11% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Efficiency Ratio: Top 0.2% in tier
- + Loan-to-Member Ratio (LMR): Top 0.2% in tier
- + Net Charge-Off Rate: Top 1.0% in tier
- + Net Worth Ratio: Top 3.6% in tier
- + Loan-to-Share Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 26.0% in tier
- - Liquidity Overhang: Bottom 73.9% in tier
- - Total Members: Bottom 0.2% in tier
- - First Mortgage Concentration (%): Bottom 2.1% in tier
- - Members Per Employee (MPE): Bottom 6.6% in tier
- - Net Interest Margin (NIM): Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,681
+0.8% YoY-0.4% QoQ
|
-13.8K |
15,437
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 0.1% in tier |
| Assets |
$135.9M
+8.0% YoY+2.7% QoQ
|
$-96.0M |
$231.9M
+1.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$107.3M
+6.2% YoY+0.1% QoQ
|
$-40.0M |
$147.3M
-0.1% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$109.2M
+7.6% YoY+3.0% QoQ
|
$-91.6M |
$200.8M
+0.8% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
1.9%
+72.5% YoY-1.3% QoQ
|
+1.1% |
0.8%
+18.2% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 3.2% in tier |
| NIM |
2.7%
+51.0% YoY-0.3% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio |
32.6%
-25.7% YoY+11.2% QoQ
|
-44.4% |
77.0%
-3.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate | 0.0% | -0.9 |
0.9%
+4.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
98.3%
-1.3% YoY-2.8% QoQ
|
+26.1% |
72.2%
-1.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 3.9% in tier |
| AMR |
$128,781
+6.0% YoY+1.9% QoQ
|
+$104K |
$24,676
+3.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Top 0.2% in tier |
| CD Concentration |
26.5%
+34.2% YoY-0.9% QoQ
|
+2.1% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)