BlastPoint's Credit Union Scorecard
GTE
Charter #196 · FL
GTE has 2 strengths but faces 7 concerns
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How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 25.8% in tier
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.8% in tier
- - Liquidity Strain: Bottom 22.7% in tier
- - Indirect Auto Dependency: Bottom 42.4% in tier
- - Credit Risk Growth: Bottom 50.3% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 6.01% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
233,973
-0.1% YoY+1.6% QoQ
|
+13.5K |
220,435
-7.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$3.1B
+5.8% YoY+4.8% QoQ
|
$-781.8M |
$3.9B
-1.5% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.3% in tier |
| Loans |
$2.6B
+5.7% YoY+4.8% QoQ
|
$-264.7M |
$2.9B
-1.1% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$2.8B
+5.8% YoY+5.5% QoQ
|
$-525.7M |
$3.3B
-2.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.2%
-12.5% YoY-48.6% QoQ
|
-0.5% |
0.7%
+10.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.5% in tier |
| NIM |
3.5%
-1.0% YoY-5.0% QoQ
|
+0.3% |
3.2%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
77.3%
-1.1% YoY+4.2% QoQ
|
+6.0% |
71.3%
-2.6% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
1.0%
+21.2% YoY-10.8% QoQ
|
+0.2 |
0.7%
+9.2% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
94.8%
-0.1% YoY-0.7% QoQ
|
+6.8% |
88.0%
+0.9% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$23,082
+5.8% YoY+3.5% QoQ
|
$-8K |
$30,672
+5.5% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
15% |
| CD Concentration |
37.4%
+13.7% YoY+2.5% QoQ
|
+8.5% | 28.8% | 24.4% | 19.8% | 84% |
| Indirect Auto % |
36.2%
+7.1% YoY+8.0% QoQ
|
+18.1% | 18.1% | 10.8% | 7.7% | Bottom 14.4% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)