BlastPoint's Credit Union Scorecard
GEORGIA UNITED
Charter #68607 · GA
GEORGIA UNITED has 5 strengths but faces 4 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
- + Organic Growth Engine: Top 18.4% in tier
- + Organic Growth Leader: Top 18.4% in tier
- + ROA 0.26% above tier average
- + Strong member growth: 5.7% YoY
- + Total Members: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 47.1% in tier
- - Credit Risk Growth: Bottom 67.4% in tier
- - Shrinking Wallet Share: Bottom 82.4% in tier
- - Delinquency rate 0.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
159,562
+5.7% YoY+1.5% QoQ
|
+63.5K |
96,048
-2.7% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Top 8.8% in tier |
| Assets |
$2.5B
+6.5% YoY+3.6% QoQ
|
+$782.2M |
$1.7B
+0.4% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
85% |
| Loans |
$1.8B
+2.8% YoY+0.6% QoQ
|
+$552.5M |
$1.2B
+0.2% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$2.1B
+6.0% YoY+4.1% QoQ
|
+$667.5M |
$1.5B
+0.5% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Top 14.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+75.9% YoY+31.3% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
3.4%
+2.5% YoY-2.4% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
67.3%
-8.9% YoY-5.2% QoQ
|
-7.3% |
74.6%
-3.0% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.9%
+5.5% YoY-5.3% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
82.8%
-3.1% YoY-3.4% QoQ
|
-0.4% |
83.2%
-0.4% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
42% |
| AMR |
$24,437
-1.1% YoY+1.0% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
22.1%
-1.7% YoY+1.6% QoQ
|
-6.7% | 28.8% | 20.0% | 19.8% | 21% |
| Indirect Auto % |
0.0%
-82.4% YoY
|
-18.1% | 18.1% | 4.3% | 7.7% | Top 12.0% in tier |
Signature Analysis
Strengths (2)
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.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)