BlastPoint's Credit Union Scorecard

CREDIT UNION OF GEORGIA

Charter #68571 · GA

Community 750M-1B

117 CUs in 750M-1B nationally 1 in GA

View Community leaderboard →

CREDIT UNION OF GEORGIA has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 24.2% in tier
+ Organic Growth Leader: Top 24.2% in tier
+ Relationship Depth Leader: Top 40.4% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.36% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.8% in tier
- Credit Risk Growth: Bottom 35.5% in tier
- Total Assets: Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	36,858 +2.6% YoY+1.1% QoQ	-14.6K	51,500 +0.7% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	20%
Assets	$760.8M +9.7% YoY+3.9% QoQ	$-104.8M	$865.6M +0.9% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	Bottom 5.1% in tier
Loans	$511.5M +5.9% YoY+0.1% QoQ	$-83.7M	$595.3M +1.6% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	20%
Deposits	$665.2M +8.5% YoY+4.0% QoQ	$-77.0M	$742.2M +0.6% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	Bottom 12.8% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% -2.2% YoY-8.5% QoQ	+0.3%	0.8% +45.0% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	75%
NIM	3.8% +2.3% YoY-0.6% QoQ	+0.4%	3.5% +6.1% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	69.4% -4.2% YoY-1.3% QoQ	-6.1%	75.5% -3.4% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	0.7% +83.8% YoY-14.8% QoQ	+0.0	0.7% -0.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	64%
Loan To Share	76.9% -2.4% YoY-3.8% QoQ	-3.7%	80.6% +0.7% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	31%
AMR	$31,925 +4.6% YoY+1.2% QoQ	+$3K	$28,908 +0.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	71%
CD Concentration	27.1% +10.9% YoY-0.6% QoQ	+2.8%	24.3%	20.0%	19.8%	62%
Indirect Auto %	6.5% -17.5% YoY-6.7% QoQ	-7.3%	13.8%	4.3%	7.7%	47%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#172 of 352 • Top 24.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.62%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.07%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 6.49%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#184 of 371 • Top 24.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.62%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 6.49%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#147 of 257 • Top 40.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.59%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk

#224 of 727 • Bottom 16.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#156 of 476 • Bottom 35.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.90%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (4 metrics)

Asset Growth Rate

growth

Value: 9.66%

Peer Median: 4.88%

#18 of 117 Top 14.5% in 750M-1B tier

Deposit Growth Rate

growth

Value: 8.45%

Peer Median: 4.60%

#20 of 117 Top 16.2% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.07%

Peer Median: 0.63%

#29 of 117 Top 23.9% in 750M-1B tier

Efficiency Ratio

profitability

Value: 69.40%

Peer Median: 77.38%

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (4 metrics)

111

Total Assets

balance_sheet

Value: $760.81M

Peer Median: $858.87M

#111 of 117 Bottom 6.0% in 750M-1B tier

102

Total Deposits

balance_sheet

Value: $665.16M

Peer Median: $735.65M

#102 of 117 Bottom 13.7% in 750M-1B tier

Total Members

engagement

Value: 36,858

Peer Median: 51,712

#94 of 117 Bottom 20.5% in 750M-1B tier

Total Loans

balance_sheet

Value: $511.52M

Peer Median: $618.21M

#93 of 117 Bottom 21.4% in 750M-1B tier