BlastPoint's Credit Union Scorecard
MYGEORGIA
Charter #68602 · GA
MYGEORGIA has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.29% above tier average
- + Deposit Growth Rate: Top 7.2% in tier
- + Asset Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
- Shares and deposits +10.7% year over year ($225M in shares and deposits).
- Membership: 20,847 members, +3.6% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.86%.
- Efficiency ratio 75.89% vs a 76.73% peer average.
- Loan-to-share ratio 71.36% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,847
+3.6% YoY+1.3% QoQ
|
+5.7K |
15,168
-2.6% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$258.5M
+10.2% YoY+0.8% QoQ
|
+$26.4M |
$232.0M
+0.7% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$160.7M
+7.9% YoY+3.3% QoQ
|
+$14.5M |
$146.3M
+0.2% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$225.2M
+10.7% YoY+1.1% QoQ
|
+$24.5M |
$200.7M
+0.2% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
65% |
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| ROA |
0.9%
-27.0% YoY-0.3% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
4.0%
-5.5% YoY+2.0% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
75.9%
+9.9% YoY-1.9% QoQ
|
-0.8% |
76.7%
-0.8% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
0.5%
-29.9% YoY-12.3% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
71.4%
-2.5% YoY+2.2% QoQ
|
-0.2% |
71.5%
-0.3% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$18,514
+5.7% YoY+0.7% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration | 0.0% | -24.5% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (3)
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 (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)