BlastPoint's Credit Union Scorecard
G G W
Charter #15588 · LA
2596 CUs in <100M nationally
108 in LA
G G W has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.3% in tier
- + AMR Growth Rate: Top 2.9% in tier
- + Net Worth Ratio: Top 8.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
- - Total Members: Bottom 2.5% in tier
- - Total Assets: Bottom 5.2% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Total Loans: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136
-2.9% YoY-0.7% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 2.5% in tier |
| Assets |
$934,764
+1.4% YoY-0.7% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.2% in tier |
| Loans |
$327,813
+62.8% YoY-0.5% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.5% in tier |
| Deposits |
$686,056
+1.1% YoY-1.2% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.3% in tier |
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| ROA |
0.7%
+128.4% YoY+19.9% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
3.6%
+10.8% YoY+8.2% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
79.6%
-11.6% YoY-2.4% QoQ
|
-1.8% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.0%
-96.5% YoY+0.5% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.4% in tier |
| Loan To Share |
47.8%
+61.1% YoY+0.7% QoQ
|
-13.5% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$7,455
+18.6% YoY-0.3% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
10
Loan Growth Rate
growth
Value:
62.81%
Peer Avg: -
#10 of 2596
Top 0.3% in <100M tier
75
AMR Growth Rate
growth
Value:
18.57%
Peer Avg: -
#75 of 2596
Top 2.9% in <100M tier
232
Net Worth Ratio
risk
Value:
26.60%
Peer Avg: -
#232 of 2596
Top 8.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
374
Total Delinquency Rate (60+ days)
risk
Value:
0.02%
Peer Avg: -
#374 of 2596
Top 14.4% in <100M tier
Top Weaknesses (8 metrics)
2531
Total Members
engagement
Value:
136
Peer Avg: -
#2531 of 2596
Bottom 2.5% in <100M tier
2462
Total Assets
balance_sheet
Value:
$934,764
Peer Avg: -
#2462 of 2596
Bottom 5.2% in <100M tier
2458
Total Deposits
balance_sheet
Value:
$686,056
Peer Avg: -
#2458 of 2596
Bottom 5.4% in <100M tier
2452
Total Loans
balance_sheet
Value:
$327,813
Peer Avg: -
#2452 of 2596
Bottom 5.6% in <100M tier
2369
Members Per Employee (MPE)
engagement
Value:
136.000
Peer Avg: -
#2369 of 2596
Bottom 8.8% in <100M tier
2226
Fee Income Per Member
profitability
Value:
$4.98
Peer Avg: -
#2226 of 2596
Bottom 14.3% in <100M tier
2160
Average Member Relationship (AMR)
engagement
Value:
$7,455
Peer Avg: -
#2160 of 2596
Bottom 16.8% in <100M tier
2151
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,410
Peer Avg: -
#2151 of 2596
Bottom 17.2% in <100M tier