BlastPoint's Credit Union Scorecard

INTERSTATE

Charter #68717 · GA

100M-500M

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

INTERSTATE has 8 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

+ ROA 1.23% above tier average
+ Net Interest Margin 0.16% above tier average
+ Total Members: Top 2.6% in tier
+ Total Loans: Top 3.6% in tier
+ Loan-to-Share Ratio: Top 4.6% in tier
+ Total Assets: Top 9.7% in tier
+ Efficiency Ratio: Top 9.8% in tier
+ Fee Income Per Member: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	35,896 +2.6% YoY+0.7% QoQ	+20.8K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	Top 2.7% in tier
Assets	$408.1M +8.0% YoY+1.8% QoQ	+$176.4M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	Top 9.8% in tier
Loans	$322.2M +2.8% YoY-1.0% QoQ	+$178.0M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	Top 3.7% in tier
Deposits	$341.0M +6.6% YoY+1.3% QoQ	+$139.8M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	Top 11.7% in tier

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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	2.0% -6.4% YoY-0.6% QoQ	+1.2%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	Top 4.3% in tier
NIM	3.8% +4.0% YoY+1.2% QoQ	+0.2%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	61.3% -0.4% YoY+0.9% QoQ	-16.7%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	Top 9.8% in tier
Delinquency Rate	0.3% -22.6% YoY-41.8% QoQ	-0.5	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	23%
Loan To Share	94.5% -3.5% YoY-2.2% QoQ	+24.1%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	Top 4.7% in tier
AMR	$18,474 +2.0% YoY-0.5% QoQ	$-6K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	23%
CD Concentration	38.7% -1.5% YoY-1.1% QoQ	+14.4%	24.3%	20.0%	19.8%	50%
Indirect Auto %	25.8% +4.9% YoY-0.1% QoQ	+12.0%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Margin Compression

decline

#47 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.96%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 2.09%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.13% points

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

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Indirect Auto Dependency

risk

#187 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): 7.95%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 25.85%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.64%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

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

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Strain

risk

#101 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.49%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.83%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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 (14 metrics)

Total Members

engagement

Value: 35,896

Peer Median: 13,200

#29 of 1070 Top 2.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $322.18M

Peer Median: $121.41M

#40 of 1070 Top 3.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.96%

Peer Median: 0.69%

#46 of 1070 Top 4.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.49%

Peer Median: 71.88%

#50 of 1070 Top 4.6% in 100M-500M tier

105

Total Assets

balance_sheet

Value: $408.14M

Peer Median: $196.57M

#105 of 1070 Top 9.7% in 100M-500M tier

106

Efficiency Ratio

profitability

Value: 61.32%

Peer Median: 78.68%

#106 of 1070 Top 9.8% in 100M-500M tier

106

Fee Income Per Member

profitability

Value: $255.73

Peer Median: $154.95

#106 of 1070 Top 9.8% in 100M-500M tier

125

Total Deposits

balance_sheet

Value: $340.95M

Peer Median: $171.29M

#125 of 1070 Top 11.6% in 100M-500M tier

161

Net Worth Ratio

risk

Value: 15.03%

Peer Median: 11.45%

#161 of 1070 Top 15.0% in 100M-500M tier

194

Asset Growth Rate

growth

Value: 7.95%

Peer Median: 3.91%

#194 of 1070 Top 18.0% in 100M-500M tier

Top Weaknesses (3 metrics)

972

Share Certificate Concentration (%)

balance_sheet

Value: 38.67%

Peer Median: 23.10%

#972 of 1070 Bottom 9.3% in 100M-500M tier

852

Indirect Auto Concentration (%)

balance_sheet

Value: 25.85%

Peer Median: 6.61%

#852 of 1070 Bottom 20.5% in 100M-500M tier

822

Average Member Relationship (AMR)

engagement

Value: $18,474

Peer Median: $22,931

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