BlastPoint's Credit Union Scorecard
G. C. A.
Charter #20529 · LA
G. C. A. has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 37.25% above tier (higher cost structure)
- - Delinquency rate 1.24% above tier average
- - Member decline: -4.6% YoY
- - Loan-to-Member Ratio (LMR): Bottom 6.4% in tier
- - Deposit Growth Rate: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 8.2% in tier
- - Average Member Relationship (AMR): Bottom 8.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits -10.3% year over year ($2.8M in shares and deposits).
- Membership: 768 members, -4.6% vs a year ago.
- Delinquency rate 2.78%.
- Return on assets 1.00%.
- Efficiency ratio 126.02% vs a 88.77% peer average.
- Loan-to-share ratio 31.01% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
768
-4.6% YoY-1.3% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$4.0M
-7.8% YoY-1.2% QoQ
|
$-26.3M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$869,796
-1.3% YoY-9.8% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.4% in tier |
| Deposits |
$2.8M
-10.3% YoY-0.0% QoQ
|
$-23.0M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.7% in tier |
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| ROA |
1.0%
-20.7% YoY+151.2% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.7%
-17.0% YoY-1.4% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
126.0%
+73.2% YoY+40.3% QoQ
|
+37.3% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
2.8%
-40.5% YoY+806.7% QoQ
|
+1.2 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
31.0%
+10.0% YoY-9.8% QoQ
|
-27.9% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.1% in tier |
| AMR |
$4,785
-3.9% YoY-1.2% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.3% in tier |
| CD Concentration |
15.3%
+77.2% YoY+0.9% QoQ
|
-9.3% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 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)