BlastPoint's Credit Union Scorecard

GO ENERGY FINANCIAL

Charter #68698 · GA

1077 CUs in 100M-500M nationally 20 in GA

GO ENERGY FINANCIAL has 4 strengths but faces 4 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 27.9% in tier
+ Organic Growth Engine: Top 28.3% in tier
+ Net Interest Margin 0.64% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.8% in tier
- Deposit Outflow: Bottom 83.8% in tier
- ROA 0.32% below tier average
- Efficiency ratio 11.14% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	11,284 +1.0% YoY+0.7% QoQ	-4.3K	15,628 -3.4% YoY	30,529 +3.7% YoY	33,089 +6.1% YoY	37%
Assets	$145.5M -0.6% YoY+0.3% QoQ	$-85.8M	$231.3M -0.0% YoY	$489.5M +5.8% YoY	$547.7M +7.8% YoY	29%
Loans	$103.3M +7.6% YoY+5.6% QoQ	$-44.5M	$147.8M -1.4% YoY	$335.0M +9.2% YoY	$388.7M +8.6% YoY	36%
Deposits	$127.8M -1.7% YoY-0.2% QoQ	$-72.5M	$200.3M -0.0% YoY	$419.7M +4.9% YoY	$464.6M +9.3% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -44.8% YoY+13.5% QoQ	-0.3%	0.8% +15.5% YoY	1.1% +41.8% YoY	0.7% +273.4% YoY	30%
NIM	4.2% +7.2% YoY+2.6% QoQ	+0.6%	3.6% +6.9% YoY	4.2% +4.4% YoY	3.7% +5.0% YoY	84%
Efficiency Ratio	88.4% +9.6% YoY-2.0% QoQ	+11.1%	77.3% -3.0% YoY	76.7% +1.1% YoY	79.1% -3.3% YoY	Top 13.5% in tier
Delinquency Rate	0.6% -35.9% YoY+13.9% QoQ	-0.2	0.9% +7.6% YoY	1.3% +2.5% YoY	1.2% -0.9% YoY	48%
Loan To Share	80.9% +9.5% YoY+5.8% QoQ	+8.2%	72.7% -1.5% YoY	72.3% +1.1% YoY	68.0% -1.7% YoY	66%
AMR	$20,481 +1.2% YoY+1.6% QoQ	$-4K	$24,363 +2.9% YoY	$17,296 +4.1% YoY	$19,418 +1.3% YoY	39%
CD Concentration	12.4% -24.9% YoY-5.1% QoQ	-12.0%	24.4% +4.2% YoY	19.9% +4.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	4.6% +4.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#369 of 430 • Top 27.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.99%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#519 of 603 • Top 28.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.99%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.47%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk

#192 of 521 • Bottom 10.8% in tier

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

Why This Signature

Efficiency Ratio: 88.41%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.38% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.99%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Deposit Outflow

decline

#68 of 81 • Bottom 83.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.72%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.99%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

169

First Mortgage Concentration (%)

balance_sheet

Value: 12.47%

Peer Avg: -

#169 of 1077 Top 15.6% in 100M-500M tier

170

Share Certificate Concentration (%)

balance_sheet

Value: 12.37%

Peer Avg: -

#170 of 1077 Top 15.7% in 100M-500M tier

175

Net Interest Margin (NIM)

profitability

Value: 4.22%

Peer Avg: -

#175 of 1077 Top 16.2% in 100M-500M tier

244

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#244 of 1077 Top 22.6% in 100M-500M tier

261

Loan Growth Rate

growth

Value: 7.63%

Peer Avg: -

#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (4 metrics)

969

Deposit Growth Rate

growth

Value: -1.72%

Peer Avg: -

#969 of 1077 Bottom 10.1% in 100M-500M tier

933

Efficiency Ratio

profitability

Value: 88.41%

Peer Avg: -

#933 of 1077 Bottom 13.5% in 100M-500M tier

907

Asset Growth Rate

growth

Value: -0.59%

Peer Avg: -

#907 of 1077 Bottom 15.9% in 100M-500M tier

813

Fee Income Per Member

profitability

Value: $117.39

Peer Avg: -

#813 of 1077 Bottom 24.6% in 100M-500M tier