BlastPoint's Credit Union Scorecard
GESB SHEET METAL WORKERS
Charter #13974 · IN
GESB SHEET METAL WORKERS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.71% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 5.0% in tier
- + Members Per Employee (MPE): Top 5.1% in tier
- + Member Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits +7.7% year over year ($10.5M in shares and deposits).
- Membership: 2,052 members, +4.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.92%.
- Efficiency ratio 74.57% vs a 88.77% peer average.
- Loan-to-share ratio 74.69% vs a 58.89% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,052
+4.4% YoY+2.0% QoQ
|
-533 |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$11.8M
+8.1% YoY+3.6% QoQ
|
$-18.5M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$7.8M
+15.8% YoY+11.4% QoQ
|
$-7.6M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$10.5M
+7.7% YoY+3.5% QoQ
|
$-15.3M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
0.9%
+20.5% YoY+236.5% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
4.6%
+0.4% YoY+1.2% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
74.6%
-3.6% YoY-6.5% QoQ
|
-14.2% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
74.7%
+7.5% YoY+7.7% QoQ
|
+15.8% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$8,905
+6.4% YoY+4.6% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
14.7%
+26.0% YoY+20.2% QoQ
|
-9.9% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 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)