BlastPoint's Credit Union Scorecard
ROBINS FINANCIAL
Charter #68670 · GA
ROBINS FINANCIAL has 6 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
- + ROA 0.95% above tier average
- + Net Interest Margin 0.33% above tier average
- + Net Worth Ratio: Top 0.0% in tier
- + Total Assets: Top 5.3% in tier
- + Efficiency Ratio: Top 7.9% in tier
- + Total Deposits: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 34.4% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 69.5% in tier
- - Credit Risk Growth: Bottom 79.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
271,656
+0.1% YoY-0.4% QoQ
|
+41.3K |
230,353
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$4.8B
+4.4% YoY+1.5% QoQ
|
+$850.1M |
$3.9B
+0.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 6.6% in tier |
| Loans |
$2.8B
+4.6% YoY+0.7% QoQ
|
$-130.9M |
$2.9B
-0.2% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$4.0B
+1.6% YoY+1.5% QoQ
|
+$656.6M |
$3.3B
-0.3% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Top 9.2% 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 |
1.7%
+24.4% YoY-3.4% QoQ
|
+0.9% |
0.7%
+16.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 2.6% in tier |
| NIM |
3.5%
+15.6% YoY+1.1% QoQ
|
+0.3% |
3.1%
+9.8% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
59.1%
-4.2% YoY+2.3% QoQ
|
-12.3% |
71.4%
-1.4% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
0.5%
+20.9% YoY+19.2% QoQ
|
-0.4 |
0.9%
+5.8% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
70.7%
+2.9% YoY-0.8% QoQ
|
-18.2% |
88.9%
-0.2% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.5% in tier |
| AMR |
$24,927
+2.8% YoY+1.5% QoQ
|
$-5K |
$29,682
+1.5% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
23.9%
-10.3% YoY+1.7% QoQ
|
-5.2% | 29.0% | 20.5% | 19.8% | 27% |
| Indirect Auto % |
36.6%
-6.9% YoY-2.0% QoQ
|
+18.3% | 18.3% | 4.4% | 7.8% | Top 14.4% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)