BlastPoint's Credit Union Scorecard
G E A EMPLOYEES
Charter #17675 · VA
G E A EMPLOYEES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.04% below tier average
- - Member decline: -4.3% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Members: Bottom 8.3% in tier
- - Total Assets: Bottom 9.8% in tier
- - Total Deposits: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
313
-4.3% YoY0% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$2.0M
+1.3% YoY-0.1% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.8% in tier |
| Loans |
$912,486
-12.0% YoY-3.7% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.6% in tier |
| Deposits |
$1.6M
+0.9% YoY+0.2% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.8% in tier |
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| ROA |
0.6%
+65.8% YoY-45.4% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
2.8%
+2.8% YoY-7.2% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio |
79.1%
+2.9% YoY+22.7% QoQ
|
-3.4% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.0%
-49.1% YoY-35.0% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
58.4%
-12.7% YoY-3.9% QoQ
|
-2.2% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$7,910
+0.0% YoY-1.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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)