BlastPoint's Credit Union Scorecard
GEORGIA UNITED
Charter #68607 · GA
Georgia United at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
Georgia United is one of 101 credit unions in the 2026 VentureTech card set. We also found Georgia United's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
Tap a card to see it up close
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GEORGIA UNITED
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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GEORGIA UNITED'S BIGGEST OPPORTUNITY
NCUA call report, June 30, 2026.
Georgia United is headed to VentureTech in Fort Worth! Check out our trading card.
GEORGIA UNITED has 4 strengths but faces 2 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 17.7% in tier
- + ROA 0.14% above tier average
- + Strong member growth: 5.5% YoY
- + Total Members: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.8% in tier
- - Credit Risk Growth: Bottom 57.5% in tier
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
162,195
+5.5% YoY+1.7% QoQ
|
+65.3K |
96,861
-1.9% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Top 8.7% in tier |
| Assets |
$2.5B
+6.4% YoY+1.0% QoQ
|
+$803.8M |
$1.7B
+0.4% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Top 14.3% in tier |
| Loans |
$1.8B
+4.6% YoY+2.7% QoQ
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+$579.9M |
$1.2B
+0.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$2.1B
+6.9% YoY+0.6% QoQ
|
+$683.0M |
$1.5B
+0.5% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 14.0% in tier |
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| ROA |
1.0%
+46.4% YoY-1.4% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
3.4%
+2.6% YoY+2.0% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
68.1%
-5.7% YoY+1.2% QoQ
|
-4.9% |
73.0%
-2.7% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.9%
+22.8% YoY+4.9% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
84.5%
-2.1% YoY+2.1% QoQ
|
-0.2% |
84.7%
+0.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$24,418
+0.3% YoY-0.1% QoQ
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$-5K |
$29,575
+1.5% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
20.9%
-1.4% YoY-5.4% QoQ
|
-8.2% | 29.1% | 20.2% | 20.0% | 16% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 4.3% | 7.7% | Top 11.5% 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 (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)