BlastPoint's Credit Union Scorecard

WORKMEN'S CIRCLE INCORPORATED

Charter #67892 · GA

100M-500M

1070 CUs in 100M-500M nationally 18 in GA

WORKMEN'S CIRCLE INCORPORATED has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.43% above tier average
+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ Efficiency Ratio: Top 0.1% in tier
+ Average Member Relationship (AMR): Top 0.2% 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 2.9% in tier
- Members Per Employee (MPE): Bottom 6.8% in tier
- Fee Income Per Member: Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	1,682 +0.9% YoY+0.1% QoQ	-13.5K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	Bottom 0.1% in tier
Assets	$135.9M +9.6% YoY+0.0% QoQ	$-95.8M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	24%
Loans	$107.1M +5.3% YoY-0.2% QoQ	$-37.0M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	40%
Deposits	$108.5M +9.3% YoY-0.6% QoQ	$-92.6M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.2% +35.2% YoY+15.2% QoQ	+1.4%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	Top 2.4% in tier
NIM	2.9% +18.5% YoY+10.3% QoQ	-0.7%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	Bottom 13.0% in tier
Efficiency Ratio	28.7% -11.2% YoY-12.0% QoQ	-49.3%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	Top 0.1% in tier
Delinquency Rate	0.0%	-0.8	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	98.7% -3.7% YoY+0.4% QoQ	+28.3%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	Top 2.1% in tier
AMR	$128,222 +6.3% YoY-0.4% QoQ	+$103K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	Top 0.3% in tier
CD Concentration	26.7% +40.5% YoY+0.7% QoQ	+2.4%	24.3%	20.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#98 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.28%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $0.00

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Organic Growth Engine

growth

#139 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.90%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 2.15%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth

#348 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.28%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#328 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.90%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#43 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.68%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.25%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (12 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 28.72%

Peer Median: 78.68%

#2 of 1070 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $128,222

Peer Median: $22,931

#3 of 1070 Top 0.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $63,686

Peer Median: $9,356

#3 of 1070 Top 0.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 98.68%

Peer Median: 71.88%

#23 of 1070 Top 2.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.15%

Peer Median: 0.69%

#26 of 1070 Top 2.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 20.10%

Peer Median: 11.45%

#32 of 1070 Top 2.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.35%

#52 of 1070 Top 4.8% in 100M-500M tier

122

Asset Growth Rate

growth

Value: 9.64%

Peer Median: 3.91%

#122 of 1070 Top 11.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1069

Total Members

engagement

Value: 1,682

Peer Median: 13,200

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1040

First Mortgage Concentration (%)

balance_sheet

Value: 67.69%

Peer Median: 29.47%

#1040 of 1070 Bottom 2.9% in 100M-500M tier

998

Members Per Employee (MPE)

engagement

Value: 210.250

Peer Median: 309.176

#998 of 1070 Bottom 6.8% in 100M-500M tier

977

Fee Income Per Member

profitability

Value: $74.67

Peer Median: $154.95

#977 of 1070 Bottom 8.8% in 100M-500M tier

931

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.62%

#931 of 1070 Bottom 13.1% in 100M-500M tier

897

Total Deposits

balance_sheet

Value: $108.55M

Peer Median: $171.29M

#897 of 1070 Bottom 16.3% in 100M-500M tier

816

Total Assets

balance_sheet

Value: $135.92M

Peer Median: $196.57M

#816 of 1070 Bottom 23.8% in 100M-500M tier