BlastPoint's Credit Union Scorecard
COOSA VALLEY
Charter #68683 · GA
COOSA VALLEY has 7 strengths but faces 2 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 30.5% in tier
- + Organic Growth Leader: Top 32.1% in tier
- + Wallet Share Momentum: Top 46.0% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.20% above tier average
- + Fee Income Per Member: Top 3.0% in tier
- + Total Deposits: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.2% in tier
- - Delinquency rate 0.02% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,794
+0.6% YoY+0.7% QoQ
|
+11.0K |
39,752
-2.7% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 13.6% in tier |
| Assets |
$709.6M
+8.2% YoY+1.7% QoQ
|
+$87.2M |
$622.4M
+0.3% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$541.8M
+9.0% YoY+0.8% QoQ
|
+$105.8M |
$435.9M
-0.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Top 14.8% in tier |
| Deposits |
$639.1M
+7.9% YoY+2.1% QoQ
|
+$101.1M |
$538.0M
+1.3% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Top 5.9% in tier |
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| ROA |
0.8%
+6.8% YoY+11.8% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.6%
-5.1% YoY-0.4% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
75.6%
+2.9% YoY+0.4% QoQ
|
-2.5% |
78.1%
-3.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.8%
-12.2% YoY+0.2% QoQ
|
+0.0 |
0.8%
-4.9% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
84.8%
+1.0% YoY-1.3% QoQ
|
+3.8% |
81.0%
-1.8% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$23,248
+7.8% YoY+0.8% QoQ
|
$-3K |
$26,482
+2.6% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
17.8%
-9.8% YoY-1.9% QoQ
|
-6.6% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
26% |
| Indirect Auto % |
17.0%
-11.8% YoY-4.9% QoQ
|
+3.1% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
66% |
Signature Analysis
Strengths (3)
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.
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)