BlastPoint's Credit Union Scorecard
GEORGIA GUARD
Charter #68291 · GA
GEORGIA GUARD has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% above tier average
- + Net Interest Margin 2.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.83% above tier average
- - Member decline: -2.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
710
-2.3% YoY+0.9% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$3.5M
-0.9% YoY+1.0% QoQ
|
$-26.3M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.6% in tier |
| Loans |
$2.5M
-6.7% YoY+0.5% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$3.2M
-2.7% YoY+2.0% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
2.0%
-181.5% YoY-57.4% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 9.4% in tier |
| NIM |
6.5%
-10.4% YoY-2.3% QoQ
|
+2.5% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
68.4%
-33.1% YoY+18.9% QoQ
|
-13.0% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
7.3%
+183.9% YoY+427.0% QoQ
|
+5.8 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 3.3% in tier |
| Loan To Share |
78.8%
-4.1% YoY-1.5% QoQ
|
+17.6% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$7,980
-2.2% YoY+0.5% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
10.2%
+17.1% YoY+5.3% QoQ
|
-14.2% |
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 (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)