BlastPoint's Credit Union Scorecard
GEORGIA GUARD
Charter #68291 · GA
GEORGIA GUARD has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.36% above tier average
Key Concerns
Areas that may need attention
- - ROA 21.15% below tier average
- - Efficiency ratio 88.46% above tier (higher cost structure)
- - Delinquency rate 6.25% above tier average
- - Net Worth Ratio: Bottom 0.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
717
+0.3% YoY+1.8% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$3.4M
-0.3% YoY-9.0% QoQ
|
$-26.8M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.1% in tier |
| Loans |
$2.4M
-7.2% YoY-3.1% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$3.2M
+3.0% YoY-4.5% QoQ
|
$-22.6M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
-21.0%
+2585.8% YoY-1230.5% QoQ
|
-21.2% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.4% in tier |
| NIM |
6.4%
-6.9% YoY+4.7% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
179.1%
+91.9% YoY+154.3% QoQ
|
+88.5% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate |
7.8%
+229.1% YoY+13.6% QoQ
|
+6.3 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.2% in tier |
| Loan To Share |
73.3%
-10.0% YoY+1.4% QoQ
|
+14.8% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$7,790
-1.9% YoY-5.7% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
10.6%
+12.7% YoY+7.8% QoQ
|
-13.7% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 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)