BlastPoint's Credit Union Scorecard

GO ENERGY FINANCIAL

Charter #68698 · GA

100M-500M

1070 CUs in 100M-500M nationally 18 in GA

GO ENERGY FINANCIAL has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

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
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.75% above tier average
+ Loan Growth Rate: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.09% below tier average
- Efficiency ratio 6.50% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	11,466 +3.0% YoY+1.2% QoQ	-3.7K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	41%
Assets	$153.4M +3.8% YoY+4.2% QoQ	$-78.3M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	32%
Loans	$110.2M +14.9% YoY+5.1% QoQ	$-34.0M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	43%
Deposits	$135.1M +2.5% YoY+4.6% QoQ	$-66.0M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +330.3% YoY+30.8% QoQ	-0.1%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	45%
NIM	4.4% +8.5% YoY+1.4% QoQ	+0.8%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	Top 11.9% in tier
Efficiency Ratio	84.5% -11.3% YoY-3.6% QoQ	+6.5%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.5% -45.2% YoY-17.4% QoQ	-0.3	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	42%
Loan To Share	81.5% +12.1% YoY+0.5% QoQ	+11.1%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	72%
AMR	$21,390 +4.6% YoY+3.6% QoQ	$-4K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	40%
CD Concentration	13.5% -0.1% YoY-1.8% QoQ	-10.8%	24.3%	20.0%	19.8%	50%
Indirect Auto %	2.4%	-11.4%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#156 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 2.42%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#226 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.64%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 2.42%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#135 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.64%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 3.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#481 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.52%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.49% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 3.01%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 14.89%

Peer Median: 2.93%

#75 of 1070 Top 6.9% in 100M-500M tier

127

Net Interest Margin (NIM)

profitability

Value: 4.38%

Peer Median: 3.62%

#127 of 1070 Top 11.8% in 100M-500M tier

194

Share Certificate Concentration (%)

balance_sheet

Value: 13.49%

Peer Median: 23.10%

#194 of 1070 Top 18.0% in 100M-500M tier

205

First Mortgage Concentration (%)

balance_sheet

Value: 14.57%

Peer Median: 29.47%

#205 of 1070 Top 19.1% in 100M-500M tier

214

Member Growth Rate

growth

Value: 3.01%

Peer Median: -0.06%

#214 of 1070 Top 19.9% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available