BlastPoint's Credit Union Scorecard
G G W
Charter #15588 · LA
<100M
2508 CUs in <100M nationally
107 in LA
G G W has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.09% above tier average
- + Net Interest Margin 0.78% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 6.7% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.6% YoY
- - Total Members: Bottom 2.4% in tier
- - Members Per Employee (MPE): Bottom 4.4% in tier
- - Total Assets: Bottom 4.9% in tier
- - Total Deposits: Bottom 4.9% in tier
- - Total Loans: Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
132
-3.6% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 2.4% in tier |
| Assets |
$921,944
-0.9% YoY+1.2% QoQ
|
$-29.3M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.9% in tier |
| Loans |
$337,976
-2.1% YoY-6.3% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.8% in tier |
| Deposits |
$668,378
-2.4% YoY+0.9% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.9% in tier |
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| ROA |
2.2%
+181.1% YoY+315.0% QoQ
|
+2.1% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Top 4.4% in tier |
| NIM |
4.8%
+63.8% YoY+29.8% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
85% |
| Efficiency Ratio |
53.6%
-27.0% YoY-37.4% QoQ
|
-37.0% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Top 6.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
50.6%
+0.3% YoY-7.1% QoQ
|
-7.9% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$7,624
+1.4% YoY-1.7% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
110
Return on Assets (ROA)
profitability
Value:
2.24%
Peer Median: 0.61%
#110 of 2508
Top 4.3% in <100M tier
168
Efficiency Ratio
profitability
Value:
53.60%
Peer Median: 81.45%
#168 of 2508
Top 6.7% in <100M tier
193
Net Worth Ratio
risk
Value:
27.50%
Peer Median: 14.28%
#193 of 2508
Top 7.7% in <100M tier
386
Net Interest Margin (NIM)
profitability
Value:
4.78%
Peer Median: 3.83%
#386 of 2508
Top 15.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (8 metrics)
2449
Total Members
engagement
Value:
132
Peer Median: 1,918
#2449 of 2508
Bottom 2.4% in <100M tier
2398
Members Per Employee (MPE)
engagement
Value:
66.000
Peer Median: 333.750
#2398 of 2508
Bottom 4.4% in <100M tier
2386
Total Assets
balance_sheet
Value:
$921,944
Peer Median: $21.86M
#2386 of 2508
Bottom 4.9% in <100M tier
2386
Total Deposits
balance_sheet
Value:
$668,378
Peer Median: $18.77M
#2386 of 2508
Bottom 4.9% in <100M tier
2362
Total Loans
balance_sheet
Value:
$337,976
Peer Median: $9.48M
#2362 of 2508
Bottom 5.9% in <100M tier
2220
Fee Income Per Member
profitability
Value:
$2.52
Peer Median: $60.42
#2220 of 2508
Bottom 11.5% in <100M tier
2076
Average Member Relationship (AMR)
engagement
Value:
$7,624
Peer Median: $13,926
#2076 of 2508
Bottom 17.3% in <100M tier
2024
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,560
Peer Median: $4,923
#2024 of 2508
Bottom 19.3% in <100M tier