BlastPoint's Credit Union Scorecard
G G W
Charter #15588 · LA
2556 CUs in <100M nationally
109 in LA
G G W has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + 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 0.7% in tier
- + AMR Growth Rate: Top 2.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 3.10% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Total Members: Bottom 2.4% in tier
- - Members Per Employee (MPE): Bottom 4.4% in tier
- - Total Assets: Bottom 4.8% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Total Loans: Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
132
-5.7% YoY-2.9% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 2.3% in tier |
| Assets |
$910,928
-1.0% YoY-2.5% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.8% in tier |
| Loans |
$360,711
+57.6% YoY+10.0% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.8% in tier |
| Deposits |
$662,548
-2.1% YoY-3.4% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.8% in tier |
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| ROA |
0.5%
+96.2% YoY-27.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.7%
+14.1% YoY+2.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
85.7%
-6.5% YoY+7.6% QoQ
|
+3.1% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
54.4%
+60.9% YoY+13.9% QoQ
|
-6.2% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$7,752
+19.9% YoY+4.0% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
18
Loan Growth Rate
growth
Value:
57.56%
Peer Median: -
#18 of 2556
Top 0.7% in <100M tier
66
AMR Growth Rate
growth
Value:
19.86%
Peer Median: -
#66 of 2556
Top 2.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
211
Net Worth Ratio
risk
Value:
27.27%
Peer Median: -
#211 of 2556
Top 8.2% in <100M tier
Top Weaknesses (9 metrics)
2496
Total Members
engagement
Value:
132
Peer Median: -
#2496 of 2556
Bottom 2.4% in <100M tier
2444
Members Per Employee (MPE)
engagement
Value:
66.000
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2434
Total Assets
balance_sheet
Value:
$910,928
Peer Median: -
#2434 of 2556
Bottom 4.8% in <100M tier
2434
Total Deposits
balance_sheet
Value:
$662,548
Peer Median: -
#2434 of 2556
Bottom 4.8% in <100M tier
2408
Total Loans
balance_sheet
Value:
$360,711
Peer Median: -
#2408 of 2556
Bottom 5.8% in <100M tier
2203
Fee Income Per Member
profitability
Value:
$5.09
Peer Median: -
#2203 of 2556
Bottom 13.8% in <100M tier
2203
Member Growth Rate
growth
Value:
-5.71%
Peer Median: -
#2203 of 2556
Bottom 13.8% in <100M tier
2094
Average Member Relationship (AMR)
engagement
Value:
$7,752
Peer Median: -
#2094 of 2556
Bottom 18.1% in <100M tier
2037
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,733
Peer Median: -
#2037 of 2556
Bottom 20.3% in <100M tier