BlastPoint's Credit Union Scorecard

MARSHLAND

Charter #68714 · GA

1069 CUs in 100M-500M nationally 20 in GA

MARSHLAND has 2 strengths but faces 11 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 4.9% in tier
+ AMR Growth Rate: Top 1.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 7.9% in tier
- Membership Headwinds: Bottom 13.7% in tier
- Efficiency Drag: Bottom 44.7% in tier
- Credit Risk Growth: Bottom 54.5% in tier
- Stagnation Risk: Bottom 69.3% in tier
- Credit Quality Pressure: Bottom 78.8% in tier
- ROA 0.32% below tier average
- Efficiency ratio 9.41% above tier (higher cost structure)
- Member decline: -7.3% YoY
- Member Growth Rate: Bottom 6.2% in tier
- Net Worth Ratio: Bottom 7.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	17,844 -7.3% YoY-0.8% QoQ	+2.4K	15,437 -2.9% YoY	30,943 +6.6% YoY	33,374 +5.7% YoY	68%
Assets	$271.4M +10.0% YoY+1.5% QoQ	+$39.5M	$231.9M +1.3% YoY	$501.1M +9.5% YoY	$561.6M +9.7% YoY	68%
Loans	$193.6M +9.4% YoY+4.3% QoQ	+$46.2M	$147.3M -0.1% YoY	$341.6M +10.9% YoY	$397.0M +8.8% YoY	74%
Deposits	$247.7M +9.5% YoY+1.5% QoQ	+$46.9M	$200.8M +0.8% YoY	$429.0M +7.8% YoY	$477.3M +9.7% YoY	70%

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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	0.4% -7.5% YoY-2.0% QoQ	-0.3%	0.8% +18.2% YoY	0.9% +34.6% YoY	0.7% +15.9% YoY	27%
NIM	3.2% +0.1% YoY+0.1% QoQ	-0.4%	3.6% +6.7% YoY	4.1% +4.4% YoY	3.8% +5.1% YoY	27%
Efficiency Ratio	86.4% +2.2% YoY+0.8% QoQ	+9.4%	77.0% -3.1% YoY	77.1% -0.1% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	0.2% +62.7% YoY+59.4% QoQ	-0.7	0.9% +4.2% YoY	1.2% -6.4% YoY	1.3% -2.1% YoY	Bottom 10.1% in tier
Loan To Share	78.2% -0.1% YoY+2.8% QoQ	+5.9%	72.2% -1.1% YoY	72.9% +1.7% YoY	67.4% -1.7% YoY	58%
AMR	$24,728 +18.1% YoY+3.6% QoQ	+$52	$24,676 +3.4% YoY	$17,497 +5.6% YoY	$19,687 +2.0% YoY	61%
CD Concentration	32.3% +10.3% YoY+0.4% QoQ	+7.9%	24.4%	20.5%	19.8%	50%
Indirect Auto %	26.7% +0.3% YoY-4.6% QoQ	+12.9%	13.8%	4.4%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#26 of 513 • Top 4.9% in tier

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

Why This Signature

AMR Growth (YoY): 18.09%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (6)

Indirect Auto Dependency

risk

#41 of 506 • Bottom 7.9% in tier

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

Why This Signature

Asset Growth (YoY): 9.99%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 26.71%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -7.28%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#77 of 554 • Bottom 13.7% in tier

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

Why This Signature

Member Growth (YoY): -7.28%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#241 of 538 • Bottom 44.7% in tier

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

Why This Signature

Efficiency Ratio: 86.42%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.04% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -7.28%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#249 of 456 • Bottom 54.5% in tier

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

Why This Signature

Loan Growth (YoY): 9.43%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Stagnation Risk

risk

#384 of 554 • Bottom 69.3% 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): -7.28%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 9.43%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.21%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#556 of 705 • Bottom 78.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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 1069 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 18.09%

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

109

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: -

#109 of 1069 Top 10.1% in 100M-500M tier

143

Asset Growth Rate

growth

Value: 9.99%

Peer Median: -

#143 of 1069 Top 13.3% in 100M-500M tier

147

Deposit Growth Rate

growth

Value: 9.54%

Peer Median: -

#147 of 1069 Top 13.7% in 100M-500M tier

191

Loan Growth Rate

growth

Value: 9.43%

Peer Median: -

#191 of 1069 Top 17.8% in 100M-500M tier

210

Fee Income Per Member

profitability

Value: $230.12

Peer Median: -

#210 of 1069 Top 19.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1004

Member Growth Rate

growth

Value: -7.28%

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

990

Net Worth Ratio

risk

Value: 8.45%

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

876

Efficiency Ratio

profitability

Value: 86.42%

Peer Median: -

#876 of 1069 Bottom 18.1% in 100M-500M tier

860

Indirect Auto Concentration (%)

balance_sheet

Value: 26.71%

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

841

Share Certificate Concentration (%)

balance_sheet

Value: 32.33%

Peer Median: -

#841 of 1069 Bottom 21.4% in 100M-500M tier

815

Members Per Employee (MPE)

engagement

Value: 262.412

Peer Median: -

#815 of 1069 Bottom 23.9% in 100M-500M tier