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
- + Credit Quality Leader: Top 0.6% in tier
- + Profitability Leader: Top 13.6% in tier
- + Relationship Depth Leader: Top 45.7% in tier
- + Wallet Share Momentum: Top 88.5% 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
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Efficiency Ratio: Top 0.2% in tier
- + Net Charge-Off Rate: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 2.3% in tier
- + Net Worth Ratio: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.9% in tier
- - Liquidity Overhang: Bottom 72.9% in tier
- - Total Members: Bottom 0.2% in tier
- - First Mortgage Concentration (%): Bottom 1.8% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
- - Net Interest Margin (NIM): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,687
+0.1% YoY+0.4% QoQ
|
-13.9K |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 0.1% in tier |
| Assets |
$132.4M
+5.5% YoY+3.2% QoQ
|
$-98.9M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$107.2M
+7.0% YoY-0.9% QoQ
|
$-40.6M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$106.0M
+4.1% YoY+2.9% QoQ
|
$-94.3M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
15% |
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| ROA |
1.9%
+91.3% YoY+5.2% QoQ
|
+1.1% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 4.0% in tier |
| NIM |
2.7%
+61.0% YoY+1.5% QoQ
|
-0.9% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio |
29.4%
-33.9% YoY-5.1% QoQ
|
-47.9% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate | 0.0% | -0.9 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
101.2%
+2.8% YoY-3.7% QoQ
|
+28.5% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 2.4% in tier |
| AMR |
$126,357
+5.5% YoY+0.6% QoQ
|
+$102K |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 0.2% in tier |
| CD Concentration |
26.8%
+17.5% YoY+15.6% QoQ
|
+2.4% |
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 (4)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)