BlastPoint's Credit Union Scorecard
INTERSTATE
Charter #68717 · GA
INTERSTATE has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.58% above tier average
- + Net Interest Margin 0.21% above tier average
- + Total Members: Top 2.7% in tier
- + Total Loans: Top 3.4% in tier
- + Loan-to-Share Ratio: Top 4.2% in tier
- + Fee Income Per Member: Top 5.0% in tier
- + Efficiency Ratio: Top 5.9% in tier
- + Total Assets: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Share Certificate Concentration (%): Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
- Shares and deposits +5.3% year over year ($341M in shares and deposits).
- Membership: 36,220 members, +3.1% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 2.44%.
- Efficiency ratio 57.21% vs a 76.73% peer average.
- Loan-to-share ratio 96.96% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,220
+3.1% YoY+0.9% QoQ
|
+21.1K |
15,168
-2.6% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Top 2.8% in tier |
| Assets |
$410.9M
+6.6% YoY+0.7% QoQ
|
+$178.9M |
$232.0M
+0.7% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Top 9.5% in tier |
| Loans |
$330.6M
+2.7% YoY+2.6% QoQ
|
+$184.3M |
$146.3M
+0.2% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Top 3.5% in tier |
| Deposits |
$341.0M
+5.3% YoY+0.0% QoQ
|
+$140.3M |
$200.7M
+0.2% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 11.4% in tier |
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| ROA |
2.4%
+22.9% YoY+24.7% QoQ
|
+1.6% |
0.9%
+12.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
Top 1.1% in tier |
| NIM |
3.9%
+5.0% YoY+2.9% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
57.2%
-6.8% YoY-6.7% QoQ
|
-19.5% |
76.7%
-0.8% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
0.5%
-6.2% YoY+73.4% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
97.0%
-2.5% YoY+2.6% QoQ
|
+25.4% |
71.5%
-0.3% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 4.3% in tier |
| AMR |
$18,542
+0.9% YoY+0.4% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
38.1%
-1.9% YoY-1.5% QoQ
|
+13.5% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % |
26.0%
+1.9% YoY+0.6% QoQ
|
+12.4% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)