BlastPoint's Credit Union Scorecard

MARSHLAND

Charter #68714 · GA

100M-500M

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

MARSHLAND has 2 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Fee Income Per Member: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.22% below tier average
- Efficiency ratio 8.85% 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	17,920 -0.7% YoY+0.4% QoQ	+2.8K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	69%
Assets	$274.4M +6.8% YoY+1.1% QoQ	+$42.7M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	69%
Loans	$194.4M +12.0% YoY+0.4% QoQ	+$50.2M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	74%
Deposits	$249.8M +6.3% YoY+0.9% QoQ	+$48.7M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	71%

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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% +165.6% YoY+14.9% QoQ	-0.2%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	37%
NIM	3.2% -0.3% YoY-1.2% QoQ	-0.5%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	86.9% -5.8% YoY+0.5% QoQ	+8.9%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.2% +11.5% YoY+3.0% QoQ	-0.6	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	Top 14.6% in tier
Loan To Share	77.8% +5.4% YoY-0.5% QoQ	+7.4%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	62%
AMR	$24,789 +9.4% YoY+0.2% QoQ	$-129	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	60%
CD Concentration	32.0% +9.1% YoY-1.1% QoQ	+7.7%	24.3%	20.0%	19.8%	50%
Indirect Auto %	25.7% -7.3% YoY-3.6% QoQ	+11.9%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#148 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.45%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (6)

Indirect Auto Dependency

risk

#165 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.79%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 25.75%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#208 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: 86.88%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.32% points

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

but better than tier avg

Member Growth (YoY): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

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

↓ Shrinking -84 CUs YoY | Rank worsening

Credit Risk Growth

risk

#265 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.96%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#656 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Membership Headwinds

decline

#542 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#568 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 11.96%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.22%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 1070 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $260.56

Peer Median: $154.95

#99 of 1070 Top 9.2% in 100M-500M tier

118

AMR Growth Rate

growth

Value: 9.45%

Peer Median: 3.46%

#118 of 1070 Top 10.9% in 100M-500M tier

124

Loan Growth Rate

growth

Value: 11.96%

Peer Median: 2.93%

#124 of 1070 Top 11.5% in 100M-500M tier

157

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.61%

#157 of 1070 Top 14.6% in 100M-500M tier

Top Weaknesses (6 metrics)

993

Net Worth Ratio

risk

Value: 8.48%

Peer Median: 11.45%

#993 of 1070 Bottom 7.3% in 100M-500M tier

850

Indirect Auto Concentration (%)

balance_sheet

Value: 25.75%

Peer Median: 6.61%

#850 of 1070 Bottom 20.7% in 100M-500M tier

832

Share Certificate Concentration (%)

balance_sheet

Value: 31.97%

Peer Median: 23.10%

#832 of 1070 Bottom 22.3% in 100M-500M tier

828

Efficiency Ratio

profitability

Value: 86.88%

Peer Median: 78.68%

#828 of 1070 Bottom 22.7% in 100M-500M tier

827

Net Interest Margin (NIM)

profitability

Value: 3.16%

Peer Median: 3.62%

#827 of 1070 Bottom 22.8% in 100M-500M tier

822

Members Per Employee (MPE)

engagement

Value: 259.710

Peer Median: 309.176

#822 of 1070 Bottom 23.3% in 100M-500M tier