BlastPoint's Credit Union Scorecard
ROBINS FINANCIAL
Charter #68670 · GA
ROBINS FINANCIAL has 7 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 6.4% in tier
- + Credit Quality Leader: Top 83.0% in tier
- + ROA 0.98% above tier average
- + Net Interest Margin 0.23% above tier average
- + Net Worth Ratio: Top 0.0% in tier
- + Efficiency Ratio: Top 5.3% in tier
- + Total Assets: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.1% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Loan-to-Share Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
272,649
+0.5% YoY-0.1% QoQ
|
+34.2K |
238,465
+0.6% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$4.7B
+3.2% YoY+0.3% QoQ
|
+$748.5M |
$4.0B
-0.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Top 10.5% in tier |
| Loans |
$2.8B
+5.2% YoY+0.3% QoQ
|
$-234.4M |
$3.0B
+3.3% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$3.9B
+1.1% YoY-0.7% QoQ
|
+$575.2M |
$3.3B
+1.1% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
1.7%
+33.6% YoY+4.2% QoQ
|
+1.0% |
0.7%
+5.3% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 1.3% in tier |
| NIM |
3.4%
+16.0% YoY+2.7% QoQ
|
+0.2% |
3.2%
+13.7% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
57.8%
-7.4% YoY-0.2% QoQ
|
-13.5% |
71.3%
-0.6% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.4%
-8.0% YoY+25.3% QoQ
|
-0.5 |
0.8%
+15.9% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
71.2%
+4.1% YoY+1.0% QoQ
|
-19.6% |
90.8%
+2.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.9% in tier |
| AMR |
$24,548
+2.3% YoY-0.2% QoQ
|
$-5K |
$29,088
+0.1% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
23.5%
-10.3% YoY-1.4% QoQ
|
-5.5% |
29.0%
+0.7% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
25% |
| Indirect Auto % |
37.4%
-5.7% YoY-2.4% QoQ
|
+18.6% |
18.8%
-3.0% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
Top 14.5% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)