BlastPoint's Credit Union Scorecard
GNC COMMUNITY
Charter #1542 · PA
GNC COMMUNITY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 0.5% in tier
- + AMR Growth Rate: Top 5.6% in tier
- + Total Assets: Top 6.9% in tier
- + Total Loans: Top 7.0% in tier
- + Members Per Employee (MPE): Top 7.1% in tier
- + Total Deposits: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 3.27% above tier (higher cost structure)
- - Member decline: -7.2% YoY
- - Indirect Auto Concentration (%): Bottom 1.3% in tier
- - Member Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,634
-7.2% YoY+0.2% QoQ
|
+9.0K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 0.6% in tier |
| Assets |
$81.7M
+6.1% YoY-0.8% QoQ
|
+$51.9M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 7.0% in tier |
| Loans |
$46.1M
+1.7% YoY-1.9% QoQ
|
+$30.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Top 7.1% in tier |
| Deposits |
$69.0M
+7.5% YoY-1.3% QoQ
|
+$43.5M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 7.2% in tier |
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| ROA |
0.5%
+139.7% YoY+19.8% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.6%
+18.7% YoY+4.6% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
84.7%
-7.2% YoY-0.3% QoQ
|
+3.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.4%
-36.0% YoY-6.7% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
66.8%
-5.4% YoY-0.7% QoQ
|
+5.6% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$9,891
+13.3% YoY-1.7% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
19.3%
+10.1% YoY-1.4% QoQ
|
-5.1% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
55.1%
-4.0% YoY+0.5% QoQ
|
+41.1% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)