BlastPoint's Credit Union Scorecard
EXCEL
Charter #7825 · GA
EXCEL has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.30% above tier average
- + Fee Income Per Member: Top 0.4% in tier
- + Loan-to-Share Ratio: Top 2.6% in tier
- + AMR Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 5.90% above tier (higher cost structure)
- - Member decline: -9.0% YoY
- - Member Growth Rate: Bottom 4.0% 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 -1.0% year over year ($114M in shares and deposits).
- Membership: 10,374 members, -9.0% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 1.17%.
- Efficiency ratio 82.63% vs a 76.73% peer average.
- Loan-to-share ratio 99.17% 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 |
10,374
-9.0% YoY-0.1% QoQ
|
-4.8K |
15,168
-2.6% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$174.0M
+2.0% YoY+0.5% QoQ
|
$-58.0M |
$232.0M
+0.7% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$112.9M
+3.9% YoY-0.4% QoQ
|
$-33.4M |
$146.3M
+0.2% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$113.8M
-1.0% YoY-1.2% QoQ
|
$-86.9M |
$200.7M
+0.2% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.2%
+28.0% YoY+7.1% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
3.6%
+6.4% YoY+2.2% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
82.6%
-1.4% YoY+0.8% QoQ
|
+5.9% |
76.7%
-0.8% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.5%
-43.4% YoY-26.6% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
99.2%
+4.9% YoY+0.8% QoQ
|
+27.6% |
71.5%
-0.3% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 2.7% in tier |
| AMR |
$21,855
+11.4% YoY-0.7% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
25.2%
+1.2% YoY-2.1% QoQ
|
+0.7% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)