BlastPoint's Credit Union Scorecard
MYGEORGIA
Charter #68602 · GA
MYGEORGIA has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.7% in tier
- + Organic Growth Leader: Top 21.4% in tier
- + Emerging Performer: Top 29.3% in tier
- + Wallet Share Momentum: Top 83.8% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 7.3% in tier
- + Asset Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 61.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,399
+4.8% YoY+0.5% QoQ
|
+5.0K |
15,437
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$243.4M
+12.1% YoY+1.7% QoQ
|
+$11.5M |
$231.9M
+1.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$154.7M
+9.8% YoY+1.8% QoQ
|
+$7.3M |
$147.3M
-0.1% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$211.6M
+11.9% YoY+1.5% QoQ
|
+$10.8M |
$200.8M
+0.8% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
1.2%
-10.1% YoY-3.8% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
4.1%
-5.0% YoY-1.2% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
70.1%
+6.3% YoY+2.7% QoQ
|
-6.9% |
77.0%
-3.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.7%
-8.9% YoY+5.7% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
73.1%
-1.9% YoY+0.2% QoQ
|
+0.8% |
72.2%
-1.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$17,957
+6.0% YoY+1.2% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (4)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)