BlastPoint's Credit Union Scorecard
CREDIT UNION OF GEORGIA
Charter #68571 · GA
CREDIT UNION OF GEORGIA has 8 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 35.6% in tier
- + Organic Growth Engine: Top 42.9% in tier
- + Organic Growth Leader: Top 64.7% in tier
- + Wallet Share Momentum: Top 74.6% in tier
- + ROA 0.51% above tier average
- + Net Interest Margin 0.39% above tier average
- + Total Assets: Top 4.8% in tier
- + Total Deposits: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 36.7% in tier
- - Credit Quality Pressure: Bottom 63.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,459
+1.9% YoY+0.5% QoQ
|
-2.1K |
38,575
-4.8% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$732.6M
+8.9% YoY+2.8% QoQ
|
+$110.9M |
$621.7M
+0.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 5.5% in tier |
| Loans |
$511.0M
+9.8% YoY+1.7% QoQ
|
+$81.2M |
$429.8M
-1.8% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$639.3M
+7.2% YoY+3.5% QoQ
|
+$100.6M |
$538.7M
+0.6% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Top 6.7% in tier |
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| ROA |
1.2%
+7.2% YoY-0.9% QoQ
|
+0.5% |
0.7%
+42.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 14.5% in tier |
| NIM |
3.8%
+11.0% YoY-0.6% QoQ
|
+0.4% |
3.4%
+8.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
70.3%
+2.8% YoY-0.2% QoQ
|
-7.2% |
77.5%
-4.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.8%
+19.6% YoY-4.1% QoQ
|
-0.0 |
0.8%
-1.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
79.9%
+2.4% YoY-1.7% QoQ
|
+0.1% |
79.8%
-2.3% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$31,551
+6.4% YoY+2.1% QoQ
|
+$5K |
$26,849
+2.7% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
27.2%
+10.5% YoY+7.2% QoQ
|
+2.8% | 24.4% | 20.5% | 19.8% | 60% |
| Indirect Auto % |
7.0%
-8.7% YoY-9.4% QoQ
|
-6.8% | 13.8% | 4.4% | 7.8% | 48% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)