BlastPoint's Credit Union Scorecard
GNC COMMUNITY
Charter #1542 · PA
GNC COMMUNITY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 0.6% in tier
- + Total Assets: Top 7.1% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
- + Total Deposits: Top 7.6% in tier
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 1.78% above tier (higher cost structure)
- - Member decline: -8.0% YoY
- - Indirect Auto Concentration (%): Bottom 1.4% in tier
- - Member Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,546
-8.0% YoY-0.8% QoQ
|
+8.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 0.7% in tier |
| Assets |
$81.4M
+2.5% YoY-0.4% QoQ
|
+$51.3M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 7.1% in tier |
| Loans |
$44.3M
-1.7% YoY-3.9% QoQ
|
+$28.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Top 8.0% in tier |
| Deposits |
$68.5M
+1.7% YoY-0.7% QoQ
|
+$42.8M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 7.6% in tier |
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| ROA |
0.5%
+78.9% YoY+8.5% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.7%
+17.5% YoY+3.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
84.3%
-5.1% YoY-0.4% QoQ
|
+1.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.6%
-19.7% YoY+51.5% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
64.7%
-3.4% YoY-3.2% QoQ
|
+4.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$9,767
+9.0% YoY-1.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
20.1%
+8.5% YoY+4.1% QoQ
|
-4.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
52.8%
-3.6% YoY-4.3% QoQ
|
+39.0% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)