BlastPoint's Credit Union Scorecard

INTERSTATE

Charter #68717 · GA

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

INTERSTATE has 11 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 Engine: Top 1.5% in tier
  • + Profitability Leader: Top 12.1% in tier
  • + ROA 1.19% above tier average
  • + Net Interest Margin 0.16% above tier average
  • + Strong member growth: 6.4% YoY
  • + Loan-to-Share Ratio: Top 3.1% in tier
  • + Total Loans: Top 3.3% in tier
  • + Total Members: Top 3.8% in tier
  • + Member Growth Rate: Top 6.4% in tier
  • + Loan Growth Rate: Top 7.0% in tier
  • + Efficiency Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.8% in tier
  • - Indirect Auto Dependency: Bottom 12.8% in tier
  • - Share Certificate Concentration (%): Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 35,532
+6.4% YoY+1.1% QoQ
 +19.9K 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Top 3.9% in tier
Assets $392.5M
+9.7% YoY+1.9% QoQ
 +$161.2M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Top 11.8% in tier
Loans $328.3M
+15.1% YoY+1.9% QoQ
 +$180.5M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Top 3.4% in tier
Deposits $330.2M
+8.1% YoY+2.0% QoQ
 +$129.9M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Top 13.0% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 2.0%
+77.7% YoY-0.5% QoQ
 +1.2% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Top 3.6% in tier
NIM 3.7%
+23.9% YoY+1.0% QoQ
 +0.2% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 59%
Efficiency Ratio 61.0%
-11.2% YoY-0.6% QoQ
 -16.3% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Bottom 9.7% in tier
Delinquency Rate 0.6%
-39.3% YoY+2.6% QoQ
 -0.3 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 45%
Loan To Share 99.4%
+6.5% YoY-0.1% QoQ
 +26.7% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Top 3.2% in tier
AMR $18,532
+4.7% YoY+0.9% QoQ
 $-6K $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 26%
CD Concentration 39.1%
-10.7% YoY+0.7% QoQ
 +14.7% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 25.7%
+28.1% YoY+0.8% QoQ
 +11.7% 14.0%
-5.7% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#29 of 603 • Top 1.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.44%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.98%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 25.72%
(Tier: 13.97%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth
#42 of 340 • Top 12.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature
Return on Assets: 1.98%
(Tier: 0.77%, National: 0.71%)
better than tier avg
ROA Change (YoY): 0.86% points
(Tier: 0.11% points, National: 0.05% points)
better than tier avg
340 of 1077 Community CUs have this signature | 457 nationally
→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk
#15 of 258 • Bottom 1.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 99.40%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 15.11%
(Tier: 3.65%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#206 of 525 • Bottom 12.8% in tier

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

Why This Signature
Asset Growth (YoY): 9.74%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 25.72%
(Tier: 13.97%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.44%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (14 metrics)

34
Loan-to-Share Ratio
balance_sheet
Value: 99.40%
Peer Avg: -
#34 of 1077 Top 3.1% in 100M-500M tier
37
Total Loans
balance_sheet
Value: $328.25M
Peer Avg: -
#37 of 1077 Top 3.3% in 100M-500M tier
39
Return on Assets (ROA)
profitability
Value: 1.98%
Peer Avg: -
#39 of 1077 Top 3.5% in 100M-500M tier
42
Total Members
engagement
Value: 35,532
Peer Avg: -
#42 of 1077 Top 3.8% in 100M-500M tier
70
Member Growth Rate
growth
Value: 6.44%
Peer Avg: -
#70 of 1077 Top 6.4% in 100M-500M tier
76
Loan Growth Rate
growth
Value: 15.11%
Peer Avg: -
#76 of 1077 Top 7.0% in 100M-500M tier
106
Efficiency Ratio
profitability
Value: 60.97%
Peer Avg: -
#106 of 1077 Top 9.7% in 100M-500M tier
127
Asset Growth Rate
growth
Value: 9.74%
Peer Avg: -
#127 of 1077 Top 11.7% in 100M-500M tier
127
Total Assets
balance_sheet
Value: $392.54M
Peer Avg: -
#127 of 1077 Top 11.7% in 100M-500M tier
134
Fee Income Per Member
profitability
Value: $253.48
Peer Avg: -
#134 of 1077 Top 12.3% in 100M-500M tier

Top Weaknesses (2 metrics)

978
Share Certificate Concentration (%)
balance_sheet
Value: 39.09%
Peer Avg: -
#978 of 1077 Bottom 9.3% in 100M-500M tier
856
Indirect Auto Concentration (%)
balance_sheet
Value: 25.72%
Peer Avg: -
#856 of 1077 Bottom 20.6% in 100M-500M tier
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