G. C. A.
Charter #20529 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
G. C. A. has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 0.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.53% above tier average
- - Member decline: -9.2% YoY
- - Deposit Growth Rate: Bottom 2.2% in tier
- - Asset Growth Rate: Bottom 4.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
- - Member Growth Rate: Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
- - Average Member Relationship (AMR): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
785
-9.2% YoY-2.5% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 22.5% in tier |
| Assets |
$4.0M
-10.8% YoY-7.0% QoQ
|
$-25.8M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.6% in tier |
| Loans |
$984,633
-9.3% YoY+11.7% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.5% in tier |
| Deposits |
$2.8M
-16.7% YoY-10.6% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 15.1% in tier |
| ROA |
1.1%
+1.7% YoY-11.4% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
67th in tier |
| NIM |
4.4%
-5.2% YoY+0.4% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
71st in tier |
| Efficiency Ratio |
76.0%
+14.0% YoY+4.4% QoQ
|
-5.4% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
44th in tier |
| Delinquency Rate |
5.0%
+339.3% YoY+7.7% QoQ
|
+3.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 6.1% in tier |
| Loan To Share |
35.2%
+8.9% YoY+25.0% QoQ
|
-26.0% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.2% in tier |
| AMR |
$4,815
-6.3% YoY-3.3% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
14.9%
+169.4% YoY+72.9% QoQ
|
-9.5% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
150
Net Worth Ratio
risk
Value:
30.23%
Peer Avg: 16.43%
#150 of 2596
Top 5.7% in <100M tier
Top Weaknesses (14 metrics)
2541
Deposit Growth Rate
growth
Value:
-16.74%
Peer Avg: 16.80%
#2541 of 2596
Bottom 2.2% in <100M tier
2479
Asset Growth Rate
growth
Value:
-10.79%
Peer Avg: 1.82%
#2479 of 2596
Bottom 4.5% in <100M tier
2439
Total Delinquency Rate (60+ days)
risk
Value:
5.04%
Peer Avg: 1.51%
#2439 of 2596
Bottom 6.1% in <100M tier
2423
Member Growth Rate
growth
Value:
-9.25%
Peer Avg: 14.92%
#2423 of 2596
Bottom 6.7% in <100M tier
2408
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,254
Peer Avg: $5,488
#2408 of 2596
Bottom 7.3% in <100M tier
2372
Average Member Relationship (AMR)
engagement
Value:
$4,815
Peer Avg: $14,627
#2372 of 2596
Bottom 8.7% in <100M tier
2298
Total Loans
balance_sheet
Value:
$984,633
Peer Avg: $15.77M
#2298 of 2596
Bottom 11.5% in <100M tier
2232
AMR Growth Rate
growth
Value:
-6.25%
Peer Avg: 4.67%
#2232 of 2596
Bottom 14.1% in <100M tier
2223
Loan-to-Share Ratio
balance_sheet
Value:
35.23%
Peer Avg: 61.23%
#2223 of 2596
Bottom 14.4% in <100M tier
2205
Total Deposits
balance_sheet
Value:
$2.80M
Peer Avg: $25.45M
#2205 of 2596
Bottom 15.1% in <100M tier