BlastPoint's Credit Union Scorecard
COOSA VALLEY
Charter #68683 · GA
COOSA VALLEY has 7 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 27.7% in tier
- + ROA 0.45% above tier average
- + Total Assets: Top 1.2% in tier
- + Total Deposits: Top 1.2% in tier
- + Fee Income Per Member: Top 2.4% in tier
- + Total Members: Top 6.0% in tier
- + Total Loans: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.8% in tier
- - Cost Spiral: Bottom 15.5% in tier
- - Credit Risk Growth: Bottom 31.0% in tier
- - Credit Quality Pressure: Bottom 54.5% in tier
- - Efficiency ratio 0.23% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,753
+1.3% YoY+1.3% QoQ
|
+13.7K |
38,079
-4.8% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Top 6.6% in tier |
| Assets |
$746.2M
+8.9% YoY+4.1% QoQ
|
+$126.6M |
$619.7M
-0.2% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Top 1.8% in tier |
| Loans |
$561.4M
+6.8% YoY+3.0% QoQ
|
+$142.1M |
$419.3M
-1.4% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 7.8% in tier |
| Deposits |
$670.2M
+7.9% YoY+4.0% QoQ
|
+$130.7M |
$539.5M
-0.1% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Top 1.8% in tier |
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| ROA |
1.1%
+40.5% YoY+59.0% QoQ
|
+0.5% |
0.7%
+36.0% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
3.5%
-4.1% YoY-2.9% QoQ
|
+0.0% |
3.5%
+4.5% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
78.6%
+7.7% YoY+2.4% QoQ
|
+0.2% |
78.4%
-3.7% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.6%
+0.0% YoY-7.4% QoQ
|
-0.1 |
0.7%
-0.9% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
83.8%
-1.0% YoY-1.0% QoQ
|
+6.1% |
77.7%
-1.2% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$23,797
+6.0% YoY+2.2% QoQ
|
$-3K |
$26,927
+3.1% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
18.1%
-3.6% YoY+1.9% QoQ
|
-6.2% | 24.3% | 20.0% | 19.8% | 28% |
| Indirect Auto % |
15.4%
-17.2% YoY-4.7% QoQ
|
+1.6% | 13.8% | 4.3% | 7.7% | 63% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)