BlastPoint's Credit Union Scorecard
COOSA VALLEY
Charter #68683 · GA
COOSA VALLEY has 8 strengths but faces 1 concern
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 89.3% in tier
- + Organic Growth Engine: Top 94.3% in tier
- + Organic Growth Leader: Top 99.3% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 0.16% above tier average
- + Fee Income Per Member: Top 3.6% in tier
- + Total Deposits: Top 5.5% in tier
- + Total Members: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 84.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,098
+0.5% YoY+0.6% QoQ
|
+12.5K |
38,575
-4.8% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 8.5% in tier |
| Assets |
$716.8M
+5.8% YoY+1.0% QoQ
|
+$95.1M |
$621.7M
+0.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 12.1% in tier |
| Loans |
$545.2M
+6.7% YoY+0.6% QoQ
|
+$115.4M |
$429.8M
-1.8% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Top 13.3% in tier |
| Deposits |
$644.3M
+5.5% YoY+0.8% QoQ
|
+$105.6M |
$538.7M
+0.6% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Top 6.1% in tier |
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| ROA |
0.7%
+7.0% YoY-9.1% QoQ
|
+0.1% |
0.7%
+42.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.6%
-3.6% YoY-0.9% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
76.8%
+2.8% YoY+1.6% QoQ
|
-0.7% |
77.5%
-4.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.7%
-23.8% YoY-15.0% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
84.6%
+1.1% YoY-0.2% QoQ
|
+4.8% |
79.8%
-2.3% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$23,278
+5.6% YoY+0.1% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
17.8%
-6.5% YoY-0.1% QoQ
|
-6.7% | 24.4% | 20.5% | 19.8% | 26% |
| Indirect Auto % |
16.2%
-14.3% YoY-5.2% QoQ
|
+2.4% | 13.8% | 4.4% | 7.8% | 64% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
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)