BlastPoint's Credit Union Scorecard

EXCEL

Charter #7825 · GA

100M-500M

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

EXCEL has 4 strengths but faces 8 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 50.0% in tier
+ ROA 0.36% above tier average
+ Fee Income Per Member: Top 0.7% in tier
+ Loan-to-Share Ratio: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 3.97% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	10,387 -9.2% YoY+0.1% QoQ	-4.8K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	34%
Assets	$173.2M +0.0% YoY+4.0% QoQ	$-58.6M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	40%
Loans	$113.3M +6.2% YoY+0.5% QoQ	$-30.9M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	45%
Deposits	$115.2M -6.5% YoY+2.4% QoQ	$-85.9M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	21%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% +66.8% YoY+8.6% QoQ	+0.4%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	74%
NIM	3.5% +5.0% YoY-1.9% QoQ	-0.1%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	82.0% -6.2% YoY-2.7% QoQ	+4.0%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.7% +17.9% YoY-16.9% QoQ	-0.1	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	56%
Loan To Share	98.3% +13.6% YoY-1.9% QoQ	+27.9%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	Top 2.3% in tier
AMR	$21,999 +9.5% YoY+1.4% QoQ	$-3K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	44%
CD Concentration	25.8% +13.1% YoY+4.4% QoQ	+1.5%	24.3%	20.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#146 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 9.47%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (7)

Membership Headwinds

decline

#48 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -9.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Capital Constraint

risk

#3 of 16 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 98.34%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -6.55%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 13.35%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

Liquidity Strain

risk

#34 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: 98.34%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.18%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

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

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Stagnation Risk

risk

#197 of 570 • Bottom 50.0% 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): -9.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 6.18%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.68%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#294 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 6.18%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#490 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#580 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 82.00%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.44% points

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

but better than tier avg

Member Growth (YoY): -9.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $562.88

Peer Median: $154.95

#8 of 1070 Top 0.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 98.34%

Peer Median: 71.88%

#25 of 1070 Top 2.2% in 100M-500M tier

116

AMR Growth Rate

growth

Value: 9.47%

Peer Median: 3.46%

#116 of 1070 Top 10.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1044

Deposit Growth Rate

growth

Value: -6.55%

Peer Median: 3.30%

#1044 of 1070 Bottom 2.5% in 100M-500M tier

1027

Member Growth Rate

growth

Value: -9.24%

Peer Median: -0.06%

#1027 of 1070 Bottom 4.1% in 100M-500M tier

917

Members Per Employee (MPE)

engagement

Value: 236.068

Peer Median: 309.176

#917 of 1070 Bottom 14.4% in 100M-500M tier

875

Asset Growth Rate

growth

Value: 0.05%

Peer Median: 3.91%

#875 of 1070 Bottom 18.3% in 100M-500M tier

843

Total Deposits

balance_sheet

Value: $115.21M

Peer Median: $171.29M

#843 of 1070 Bottom 21.3% in 100M-500M tier