BlastPoint's Credit Union Scorecard
GO ENERGY FINANCIAL
Charter #68698 · GA
GO ENERGY FINANCIAL has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 54.1% in tier
- + Organic Growth Engine: Top 69.4% in tier
- + Net Interest Margin 0.72% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 20.1% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 10.63% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,330
+2.4% YoY+0.4% QoQ
|
-4.1K |
15,437
-2.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$147.2M
+3.9% YoY+1.1% QoQ
|
$-84.6M |
$231.9M
+1.3% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$104.8M
+9.4% YoY+1.4% QoQ
|
$-42.5M |
$147.3M
-0.1% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$129.1M
+2.3% YoY+1.1% QoQ
|
$-71.7M |
$200.8M
+0.8% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.5%
-16.4% YoY+5.0% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
4.3%
+8.0% YoY+2.4% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 13.8% in tier |
| Efficiency Ratio |
87.6%
+3.9% YoY-0.9% QoQ
|
+10.6% |
77.0%
-3.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 14.6% in tier |
| Delinquency Rate |
0.6%
-31.6% YoY-3.9% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
81.2%
+6.9% YoY+0.4% QoQ
|
+8.9% |
72.2%
-1.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$20,647
+2.9% YoY+0.8% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
13.7%
-7.5% YoY+11.0% QoQ
|
-10.7% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)