BlastPoint's Credit Union Scorecard

GTE

Charter #196 · FL

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 16 in FL

View Mid-Market leaderboard →

GTE has 5 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.45% above tier average
+ Total Assets: Top 0.0% in tier
+ Total Deposits: Top 0.0% in tier
+ Total Members: Top 0.0% in tier
+ Total Loans: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 48.7% in tier
- Liquidity Strain: Bottom 69.1% in tier
- Stagnation Risk: Bottom 72.6% in tier
- Membership Headwinds: Bottom 77.4% in tier
- Credit Quality Pressure: Bottom 84.3% in tier
- Credit Risk Growth: Bottom 93.9% in tier
- ROA 0.27% below tier average
- Efficiency ratio 0.14% above tier (higher cost structure)
- Delinquency rate 0.18% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	230,346 -1.4% YoY+0.5% QoQ	+132.9K	97,431 -2.4% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	Top 0.3% in tier
Assets	$3.0B +1.6% YoY+2.6% QoQ	+$1.3B	$1.7B +0.9% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	Top 0.3% in tier
Loans	$2.5B +3.1% YoY+3.1% QoQ	+$1.3B	$1.2B +0.5% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	Top 1.0% in tier
Deposits	$2.6B +2.6% YoY+2.8% QoQ	+$1.2B	$1.5B +0.9% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	Top 0.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +31.4% YoY-10.5% QoQ	-0.3%	0.7% +20.9% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	24%
NIM	3.7% +9.3% YoY-1.1% QoQ	+0.5%	3.3% +9.2% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	80%
Efficiency Ratio	74.2% +0.8% YoY+0.0% QoQ	+0.1%	74.1% -9.5% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	49%
Delinquency Rate	1.1% +4.6% YoY+20.3% QoQ	+0.2	0.9% +6.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	74%
Loan To Share	95.4% +0.4% YoY+0.3% QoQ	+10.7%	84.8% -0.8% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	77%
AMR	$22,296 +4.3% YoY+2.4% QoQ	$-7K	$29,428 +2.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	16%
CD Concentration	36.5% +6.4% YoY+4.7% QoQ	+7.4%	29.0%	24.1%	19.8%	81%
Indirect Auto %	33.5% -4.6% YoY-1.2% QoQ	+15.2%	18.3%	10.8%	7.8%	81%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Indirect Auto Dependency

risk

#96 of 196 • Bottom 48.7% in tier

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

Why This Signature

Asset Growth (YoY): 1.59%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 33.54%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Liquidity Strain

risk

#115 of 166 • Bottom 69.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.44%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.07%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Stagnation Risk

risk

#62 of 85 • Bottom 72.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.07%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.08%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#66 of 85 • Bottom 77.4% in tier

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

Why This Signature

Member Growth (YoY): -1.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Credit Quality Pressure

risk

#178 of 211 • Bottom 84.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank worsening

Credit Risk Growth

risk

#154 of 164 • Bottom 93.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.07%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | 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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (8 metrics)

Total Assets

balance_sheet

Value: $2.99B

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.63B

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Total Members

engagement

Value: 230,346

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.51B

Peer Median: -

#3 of 302 Top 0.7% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 427.358

Peer Median: -

#58 of 302 Top 18.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.72%

Peer Median: -

#62 of 302 Top 20.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.44%

Peer Median: -

#70 of 302 Top 22.8% in 1B-3B tier

Fee Income Per Member

profitability

Value: $250.52

Peer Median: -

#75 of 302 Top 24.5% in 1B-3B tier

Top Weaknesses (8 metrics)

266

Net Charge-Off Rate

risk

Value: 1.04%

Peer Median: -

#266 of 302 Bottom 12.3% in 1B-3B tier

254

Average Member Relationship (AMR)

engagement

Value: $22,296

Peer Median: -

#254 of 302 Bottom 16.2% in 1B-3B tier

253

Share Certificate Concentration (%)

balance_sheet

Value: 36.47%

Peer Median: -

#253 of 302 Bottom 16.6% in 1B-3B tier

246

Indirect Auto Concentration (%)

balance_sheet

Value: 33.54%

Peer Median: -

#246 of 302 Bottom 18.9% in 1B-3B tier

241

Member Growth Rate

growth

Value: -1.40%

Peer Median: -

#241 of 302 Bottom 20.5% in 1B-3B tier

240

Asset Growth Rate

growth

Value: 1.59%

Peer Median: -

#240 of 302 Bottom 20.9% in 1B-3B tier

230

Return on Assets (ROA)

profitability

Value: 0.42%

Peer Median: -

#230 of 302 Bottom 24.2% in 1B-3B tier

228

Loan-to-Member Ratio (LMR)

engagement

Value: $10,888

Peer Median: -

#228 of 302 Bottom 24.8% in 1B-3B tier