BlastPoint's Credit Union Scorecard
COOSA VALLEY
Charter #68683 · GA
COOSA VALLEY has 3 strengths but faces 3 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
- + Wallet Share Momentum: Top 20.9% in tier
- + ROA 0.25% above tier average
- + Fee Income Per Member: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 11.3% in tier
- - Efficiency ratio 3.18% above tier (higher cost structure)
- - Total Assets: Bottom 7.2% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Georgia.
- Shares and deposits +8.4% year over year ($678M in shares and deposits).
- Membership: 51,938 members, +3.0% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 1.10%.
- Efficiency ratio 77.72% vs a 74.54% peer average.
- Loan-to-share ratio 89.41% vs a 82.60% 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 |
51,938
+3.0% YoY+0.4% QoQ
|
-544 |
52,482
+1.3% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$765.9M
+9.7% YoY+2.6% QoQ
|
$-98.1M |
$863.9M
+0.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.3% in tier |
| Loans |
$606.2M
+12.8% YoY+8.0% QoQ
|
$-1.5M |
$607.8M
+2.1% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$678.1M
+8.4% YoY+1.2% QoQ
|
$-61.8M |
$739.9M
+0.2% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
20% |
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 |
1.1%
+55.6% YoY-3.7% QoQ
|
+0.3% |
0.8%
+30.4% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
3.5%
-3.8% YoY+0.4% QoQ
|
+0.0% |
3.5%
+6.2% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
77.7%
+3.3% YoY-1.1% QoQ
|
+3.2% |
74.5%
-1.4% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.6%
-24.6% YoY-4.4% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
89.4%
+4.1% YoY+6.7% QoQ
|
+6.8% |
82.6%
+1.9% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$24,728
+7.2% YoY+3.9% QoQ
|
$-4K |
$28,702
+0.4% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
18.1%
+0.1% YoY+0.2% QoQ
|
-6.4% | 24.6% | 20.2% | 20.0% | 27% |
| Indirect Auto % |
15.3%
-14.6% YoY-0.6% QoQ
|
+1.7% | 13.6% | 4.3% | 7.7% | 64% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)