BlastPoint's Credit Union Scorecard
GEORGIA GUARD
Charter #68291 · GA
GEORGIA GUARD has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.24% above tier average
- + Net Interest Margin 2.12% above tier average
- + Fee Income Per Member: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.27% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
704
-1.1% YoY-0.8% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$3.7M
+6.3% YoY+6.5% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$2.4M
-8.8% YoY-2.3% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.4M
+4.5% YoY+6.5% QoQ
|
$-22.3M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
1.9%
-225.0% YoY-5.9% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 8.7% in tier |
| NIM |
6.1%
-15.2% YoY-5.9% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
70.4%
-27.8% YoY+3.0% QoQ
|
-12.1% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
6.8%
+112.7% YoY-7.0% QoQ
|
+5.3 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
72.3%
-12.8% YoY-8.3% QoQ
|
+11.6% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$8,257
-0.4% YoY+3.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
9.8%
+22.6% YoY-4.1% QoQ
|
-14.6% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)