BlastPoint's Credit Union Scorecard
G. C. A.
Charter #20529 · LA
G. C. A. has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.42% above tier average
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
- - Loan-to-Member Ratio (LMR): Bottom 6.9% in tier
- - Deposit Growth Rate: Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
782
-4.0% YoY-0.4% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$4.2M
-6.1% YoY+3.6% QoQ
|
$-26.0M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$988,668
-5.1% YoY+0.4% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.2% in tier |
| Deposits |
$3.0M
-9.5% YoY+5.9% QoQ
|
$-22.7M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
0.9%
-21.3% YoY-16.2% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
4.4%
-5.6% YoY-1.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
80.4%
+19.6% YoY+5.8% QoQ
|
-2.2% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
1.4%
-73.7% YoY-72.4% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
33.4%
+4.9% YoY-5.2% QoQ
|
-27.2% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.0% in tier |
| AMR |
$5,048
-4.6% YoY+4.8% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.3% in tier |
| CD Concentration |
14.2%
+164.5% YoY-4.6% QoQ
|
-10.2% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)