GTE

Charter #196 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

GTE has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.7% in tier
  • + Relationship Depth Leader: Top 29.5% in tier
  • + Net Interest Margin 0.50% above tier average
  • + Total Members: Top 0.0% in tier
  • + Total Loans: Top 0.7% in tier
  • + Total Deposits: Top 0.7% in tier
  • + Total Assets: Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 13.5% in tier
  • - Membership Headwinds: Bottom 21.3% in tier
  • - Liquidity Strain: Bottom 24.4% in tier
  • - Stagnation Risk: Bottom 28.5% in tier
  • - ROA 0.24% below tier average
  • - Efficiency ratio 0.21% above tier (higher cost structure)
  • - Delinquency rate 0.07% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 229,159
-2.0% YoY-0.4% QoQ
 +130.5K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 0.3% in tier
Assets $2.9B
+1.2% YoY+0.0% QoQ
 +$1.2B $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 1.6% in tier
Loans $2.4B
+1.9% YoY-1.6% QoQ
 +$1.2B $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 1.0% in tier
Deposits $2.6B
+4.9% YoY-0.1% QoQ
 +$1.1B $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 1.0% in tier
ROA 0.5%
+74.1% YoY+15.3% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 3.8%
+9.6% YoY+2.2% QoQ
 +0.5% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Top 18.8% in tier
Efficiency Ratio 74.2%
-3.8% YoY-1.5% QoQ
 +0.2% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 47th in tier
Delinquency Rate 0.9%
-15.5% YoY-6.0% QoQ
 +0.1 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 69th in tier
Loan To Share 95.1%
-2.8% YoY-1.5% QoQ
 +9.9% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 75th in tier
AMR $21,769
+5.5% YoY-0.4% QoQ
 $-7K $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Bottom 13.2% in tier
CD Concentration 34.8%
+7.0% YoY+4.7% QoQ
 +5.9% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Top 23.7% in tier
Indirect Auto % 33.9%
-8.8% YoY+0.1% QoQ
 +15.1% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 18.7% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#107 of 264 • Top 14.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.52%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#214 of 264 • Top 29.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.52%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $553.48
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk
#84 of 202 • Bottom 13.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.17%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 33.94%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.99%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Membership Headwinds

decline
#52 of 85 • Bottom 21.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.99%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Strain

risk
#129 of 183 • Bottom 24.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 95.13%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.95%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Stagnation Risk

risk
#69 of 85 • Bottom 28.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.47%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.99%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.8K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 34.84%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

1
Total Members
engagement
Value: 229,159
Peer Avg: 98,678
#1 of 304 Top 0.0% in 1B-3B tier
3
Total Loans
balance_sheet
Value: $2.43B
Peer Avg: $1.23B
#3 of 304 Top 0.7% in 1B-3B tier
3
Total Deposits
balance_sheet
Value: $2.56B
Peer Avg: $1.45B
#3 of 304 Top 0.7% in 1B-3B tier
5
Total Assets
balance_sheet
Value: $2.91B
Peer Avg: $1.72B
#5 of 304 Top 1.3% in 1B-3B tier
57
Net Interest Margin (NIM)
profitability
Value: 3.77%
Peer Avg: 3.26%
#57 of 304 Top 18.4% in 1B-3B tier
64
Members Per Employee (MPE)
engagement
Value: 426.739
Peer Avg: 364.953
#64 of 304 Top 20.7% in 1B-3B tier
73
Fee Income Per Member
profitability
Value: $251.99
Peer Avg: $210.52
#73 of 304 Top 23.7% in 1B-3B tier
77
Loan-to-Share Ratio
balance_sheet
Value: 95.13%
Peer Avg: 85.19%
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (6 metrics)

269
Net Charge-Off Rate
risk
Value: 1.09%
Peer Avg: 0.60%
#269 of 304 Bottom 11.8% in 1B-3B tier
264
Average Member Relationship (AMR)
engagement
Value: $21,769
Peer Avg: $29,172
#264 of 304 Bottom 13.5% in 1B-3B tier
255
Member Growth Rate
growth
Value: -1.99%
Peer Avg: 2.20%
#255 of 304 Bottom 16.4% in 1B-3B tier
250
Indirect Auto Concentration (%)
balance_sheet
Value: 33.94%
Peer Avg: 18.32%
#250 of 304 Bottom 18.1% in 1B-3B tier
237
Share Certificate Concentration (%)
balance_sheet
Value: 34.84%
Peer Avg: 28.53%
#237 of 304 Bottom 22.4% in 1B-3B tier
233
Loan-to-Member Ratio (LMR)
engagement
Value: $10,613
Peer Avg: $13,213
#233 of 304 Bottom 23.7% in 1B-3B tier