BlastPoint's Credit Union Scorecard

SAVANNAH SCHOOLS

Charter #9408 · GA

2596 CUs in <100M nationally 43 in GA

SAVANNAH SCHOOLS has 2 strengths but faces 2 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 0.45% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 0.33% above tier (higher cost structure)
- Net Charge-Off Rate: Bottom 2.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	4,028 -1.7% YoY+0.6% QoQ	+1.4K	2,625 -2.2% YoY	30,529 +3.7% YoY	33,089 +6.1% YoY	79%
Assets	$44.1M +0.9% YoY+0.0% QoQ	+$14.3M	$29.9M +1.1% YoY	$489.5M +5.8% YoY	$547.7M +7.8% YoY	74%
Loans	$13.3M -4.7% YoY-0.3% QoQ	$-2.4M	$15.8M -2.4% YoY	$335.0M +9.2% YoY	$388.7M +8.6% YoY	58%
Deposits	$38.8M +0.9% YoY+0.2% QoQ	+$13.3M	$25.5M +0.4% YoY	$419.7M +4.9% YoY	$464.6M +9.3% YoY	75%

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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	1.1% +22.2% YoY+8.5% QoQ	+0.4%	0.7% -731.4% YoY	1.1% +41.8% YoY	0.7% +273.4% YoY	68%
NIM	3.7% -11.8% YoY+0.7% QoQ	-0.2%	3.9% +3.8% YoY	4.2% +4.4% YoY	3.7% +5.0% YoY	43%
Efficiency Ratio	81.7% +18.6% YoY-0.7% QoQ	+0.3%	81.4% -2.4% YoY	76.7% +1.1% YoY	79.1% -3.3% YoY	58%
Delinquency Rate	1.0% -75.3% YoY-3.9% QoQ	-0.5	1.5% -2.0% YoY	1.3% +2.5% YoY	1.2% -0.9% YoY	62%
Loan To Share	34.3% -5.5% YoY-0.5% QoQ	-26.9%	61.2% -3.0% YoY	72.3% +1.1% YoY	68.0% -1.7% YoY	Bottom 13.5% in tier
AMR	$12,940 +1.1% YoY-0.5% QoQ	$-2K	$14,627 -2.7% YoY	$17,296 +4.1% YoY	$19,418 +1.3% YoY	46%
CD Concentration	2.5% -8.3% YoY-3.6% QoQ	-21.9%	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)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

405

Fee Income Per Member

profitability

Value: $146.77

Peer Avg: -

#405 of 2596 Top 15.6% in <100M tier

541

Total Members

engagement

Value: 4,028

Peer Avg: -

#541 of 2596 Top 20.8% in <100M tier

Top Weaknesses (2 metrics)

2526

Net Charge-Off Rate

risk

Value: 3.26%

Peer Avg: -

#2526 of 2596 Bottom 2.7% in <100M tier

2242

Loan-to-Share Ratio

balance_sheet

Value: 34.33%

Peer Avg: -

#2242 of 2596 Bottom 13.7% in <100M tier