BlastPoint's Credit Union Scorecard
G.A.P.
Charter #2405 · PA
G.A.P. has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.2% in tier
- + Total Deposits: Top 9.0% in tier
- + Total Assets: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.03% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,503
+0.0% YoY+0.2% QoQ
|
+3.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 7.2% in tier |
| Assets |
$76.2M
+6.0% YoY+1.7% QoQ
|
+$46.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 9.4% in tier |
| Loans |
$38.0M
+6.1% YoY-2.3% QoQ
|
+$22.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Top 12.0% in tier |
| Deposits |
$65.8M
+5.6% YoY+2.3% QoQ
|
+$40.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 9.0% in tier |
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| ROA |
1.1%
-35.1% YoY-41.0% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
3.5%
-8.7% YoY-18.3% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
71.8%
+20.2% YoY+18.7% QoQ
|
-10.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.6%
+22.9% YoY+114.2% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
57.7%
+0.5% YoY-4.5% QoQ
|
-2.9% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$15,957
+5.7% YoY+0.4% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
2.4%
+4.5% YoY-4.0% QoQ
|
-22.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)