BlastPoint's Credit Union Scorecard
GO ENERGY FINANCIAL
Charter #68698 · GA
GO ENERGY FINANCIAL has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.84% above tier average
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 7.09% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
- Shares and deposits +4.7% year over year ($134M in shares and deposits).
- Membership: 11,541 members, +3.0% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 0.69%.
- Efficiency ratio 83.83% vs a 76.73% peer average.
- Loan-to-share ratio 84.49% vs a 71.54% 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 |
11,541
+3.0% YoY+0.7% QoQ
|
-3.6K |
15,168
-2.6% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$152.6M
+5.1% YoY-0.5% QoQ
|
$-79.4M |
$232.0M
+0.7% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$113.3M
+15.8% YoY+2.8% QoQ
|
$-33.0M |
$146.3M
+0.2% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$134.1M
+4.7% YoY-0.8% QoQ
|
$-66.6M |
$200.7M
+0.2% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
32% |
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 |
0.7%
+68.9% YoY+8.3% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
4.5%
+10.1% YoY+3.2% QoQ
|
+0.8% |
3.7%
+4.5% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
83.8%
-7.0% YoY-0.8% QoQ
|
+7.1% |
76.7%
-0.8% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.5%
-18.9% YoY-10.3% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
84.5%
+10.6% YoY+3.6% QoQ
|
+12.9% |
71.5%
-0.3% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$21,430
+6.3% YoY+0.2% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
14.2%
+8.8% YoY+5.1% QoQ
|
-10.4% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % |
2.3%
-6.7% QoQ
|
-11.4% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)