BlastPoint's Credit Union Scorecard
GEORGIA UNITED
Charter #68607 · GA
GEORGIA UNITED has 5 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
- + Organic Growth Leader: 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
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Georgia.
- Shares and deposits +6.9% year over year ($2.15B in shares and deposits).
- Membership: 162,195 members, +5.5% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 0.96%.
- Efficiency ratio 68.11% vs a 73.02% peer average.
- Loan-to-share ratio 84.52% vs a 84.71% 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 |
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
|
+$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
|
$-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)