BlastPoint's Credit Union Scorecard
MYGEORGIA
Charter #68602 · GA
MYGEORGIA has 7 strengths but faces 4 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
- + ROA 0.13% above tier average
- + Net Interest Margin 0.27% above tier average
- + Deposit Growth Rate: Top 4.8% in tier
- + Asset Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,581
+3.8% YoY+0.9% QoQ
|
+5.4K |
15,145
-2.5% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$256.5M
+12.0% YoY+5.4% QoQ
|
+$24.8M |
$231.7M
+0.8% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$155.6M
+7.7% YoY+0.6% QoQ
|
+$11.5M |
$144.1M
+0.2% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$222.9M
+12.1% YoY+5.3% QoQ
|
+$21.7M |
$201.1M
+0.4% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.9%
-30.9% YoY-26.3% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
3.9%
-9.5% YoY-5.8% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
77.4%
+10.5% YoY+10.4% QoQ
|
-0.6% |
78.0%
-1.7% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
0.6%
+10.5% YoY-10.3% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
51% |
| Loan To Share |
69.8%
-3.9% YoY-4.4% QoQ
|
-0.6% |
70.4%
-0.4% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$18,391
+6.3% YoY+2.4% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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 (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)