BlastPoint's Credit Union Scorecard

EXCEL

Charter #7825 · GA

1069 CUs in 100M-500M nationally 20 in GA

EXCEL has 5 strengths but faces 11 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 47.5% in tier
+ ROA 0.24% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 0.3% in tier
+ Loan-to-Share Ratio: Top 2.4% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 0.0% in tier
- Membership Headwinds: Bottom 7.6% in tier
- Stagnation Risk: Bottom 27.5% in tier
- Liquidity Strain: Bottom 29.5% in tier
- Efficiency Drag: Bottom 70.8% in tier
- Margin Compression: Bottom 87.7% in tier
- Efficiency ratio 7.28% above tier (higher cost structure)
- Member decline: -9.6% YoY
- Deposit Growth Rate: Bottom 1.4% in tier
- Member Growth Rate: Bottom 3.6% in tier
- Asset Growth Rate: Bottom 6.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	10,375 -9.6% YoY-8.8% QoQ	-5.1K	15,437 -2.9% YoY	30,943 +6.6% YoY	33,374 +5.7% YoY	33%
Assets	$166.5M -2.6% YoY-3.3% QoQ	$-65.3M	$231.9M +1.3% YoY	$501.1M +9.5% YoY	$561.6M +9.7% YoY	38%
Loans	$112.7M +3.1% YoY+2.4% QoQ	$-34.6M	$147.3M -0.1% YoY	$341.6M +10.9% YoY	$397.0M +8.8% YoY	43%
Deposits	$112.5M -7.5% YoY+1.1% QoQ	$-88.3M	$200.8M +0.8% YoY	$429.0M +7.8% YoY	$477.3M +9.7% YoY	20%

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	1.0% -9.8% YoY+16.1% QoQ	+0.2%	0.8% +18.2% YoY	0.9% +34.6% YoY	0.7% +15.9% YoY	69%
NIM	3.6% +10.2% YoY+4.5% QoQ	-0.0%	3.6% +6.7% YoY	4.1% +4.4% YoY	3.8% +5.1% YoY	48%
Efficiency Ratio	84.3% +4.9% YoY-1.6% QoQ	+7.3%	77.0% -3.1% YoY	77.1% -0.1% YoY	79.7% -3.3% YoY	76%
Delinquency Rate	0.8% -12.7% YoY+12.6% QoQ	-0.1	0.9% +4.2% YoY	1.2% -6.4% YoY	1.3% -2.1% YoY	58%
Loan To Share	100.2% +11.5% YoY+1.3% QoQ	+28.0%	72.2% -1.1% YoY	72.9% +1.7% YoY	67.4% -1.7% YoY	Top 2.5% in tier
AMR	$21,704 +7.9% YoY+11.5% QoQ	$-3K	$24,676 +3.4% YoY	$17,497 +5.6% YoY	$19,687 +2.0% YoY	45%
CD Concentration	24.7% +4.5% YoY-3.3% QoQ	+0.2%	24.4%	20.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.4%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#244 of 513 • Top 47.5% in tier

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

Why This Signature

AMR Growth (YoY): 7.91%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (6)

Capital Constraint

risk

#1 of 23 • Bottom 0.0% 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: 100.20%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -7.49%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 13.50%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Membership Headwinds

decline

#43 of 554 • Bottom 7.6% in tier

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

Why This Signature

Member Growth (YoY): -9.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#153 of 554 • Bottom 27.5% 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): -9.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.13%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.82%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk

#68 of 228 • Bottom 29.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 100.20%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.13%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Efficiency Drag

risk

#381 of 538 • Bottom 70.8% in tier

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

Why This Signature

Efficiency Ratio: 84.29%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -9.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Margin Compression

decline

#108 of 123 • Bottom 87.7% 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: 1.00%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.11%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $625.39

Peer Median: -

#4 of 1069 Top 0.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.20%

Peer Median: -

#27 of 1069 Top 2.4% in 100M-500M tier

192

AMR Growth Rate

growth

Value: 7.91%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1055

Deposit Growth Rate

growth

Value: -7.49%

Peer Median: -

#1055 of 1069 Bottom 1.4% in 100M-500M tier

1032

Member Growth Rate

growth

Value: -9.61%

Peer Median: -

#1032 of 1069 Bottom 3.6% in 100M-500M tier

997

Asset Growth Rate

growth

Value: -2.57%

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

927

Members Per Employee (MPE)

engagement

Value: 235.795

Peer Median: -

#927 of 1069 Bottom 13.4% in 100M-500M tier

860

Total Deposits

balance_sheet

Value: $112.47M

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

815

Efficiency Ratio

profitability

Value: 84.29%

Peer Median: -

#815 of 1069 Bottom 23.9% in 100M-500M tier