BlastPoint's Credit Union Scorecard
GEORGIA UNITED
Charter #68607 · GA
GEORGIA UNITED has 6 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.1% in tier
- + Organic Growth Leader: Top 33.3% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 0.19% above tier average
- + Strong member growth: 5.2% YoY
- + Total Members: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 51.9% in tier
- - Credit Risk Growth: Bottom 81.6% in tier
- - Shrinking Wallet Share: Bottom 85.9% in tier
- - Delinquency rate 0.00% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
157,263
+5.2% YoY+1.0% QoQ
|
+59.8K |
97,431
-2.4% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 8.9% in tier |
| Assets |
$2.4B
+6.6% YoY+1.6% QoQ
|
+$692.4M |
$1.7B
+0.9% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$1.8B
+2.2% YoY+1.1% QoQ
|
+$520.6M |
$1.2B
+0.5% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$2.0B
+5.7% YoY+2.5% QoQ
|
+$589.0M |
$1.5B
+0.9% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.7%
-5.8% YoY+3.4% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.5%
+8.0% YoY+0.4% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
71.0%
-0.2% YoY-0.7% QoQ
|
-3.0% |
74.1%
-9.5% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.9%
+16.2% YoY-1.8% QoQ
|
+0.0 |
0.9%
+6.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
85.7%
-3.4% YoY-1.3% QoQ
|
+0.9% |
84.8%
-0.8% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$24,185
-1.0% YoY+0.9% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
21.8%
-10.1% YoY+1.1% QoQ
|
-7.3% | 29.0% | 20.5% | 19.8% | 19% |
| Indirect Auto % |
0.0%
-81.9% YoY-39.3% QoQ
|
-18.3% | 18.3% | 4.4% | 7.8% | Bottom 12.2% 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 (<20%). 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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)