BlastPoint's Credit Union Scorecard
EXCEL
Charter #7825 · GA
EXCEL has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.5% in tier
- + Loan-to-Share Ratio: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 2.3% in tier
- - Liquidity Strain: Bottom 7.0% in tier
- - Efficiency Drag: Bottom 14.4% in tier
- - Margin Compression: Bottom 22.2% in tier
- - Stagnation Risk: Bottom 25.8% in tier
- - Membership Headwinds: Bottom 29.2% in tier
- - Deposit Outflow: Bottom 31.2% in tier
- - Efficiency ratio 8.36% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 1.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,370
-0.9% YoY-0.2% QoQ
|
-4.3K |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$172.2M
-1.9% YoY+1.0% QoQ
|
$-59.1M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$110.1M
+7.2% YoY+1.3% QoQ
|
$-37.7M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$111.3M
-7.8% YoY-3.2% QoQ
|
$-89.0M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
0.9%
-26.1% YoY-5.3% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
3.4%
+10.5% YoY+1.4% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
85.6%
+8.2% YoY+2.1% QoQ
|
+8.4% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.7%
-23.6% YoY-17.6% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
98.9%
+16.2% YoY+4.7% QoQ
|
+26.2% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 3.3% in tier |
| AMR |
$19,465
+0.0% YoY-0.8% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
25.5%
+9.9% YoY+2.3% QoQ
|
+1.1% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (7)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)