BlastPoint's Credit Union Scorecard
GHA
Charter #21774 · CT
GHA demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Net Interest Margin 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,409
-0.6% YoY-0.4% QoQ
|
-216 |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$30.7M
+3.5% YoY-1.3% QoQ
|
+$812K |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
61% |
| Loans |
$10.3M
-6.0% YoY-4.8% QoQ
|
$-5.4M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$25.8M
+2.3% YoY-2.0% QoQ
|
+$324K |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
1.6%
+58.7% YoY+10.3% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
81% |
| NIM |
4.2%
+9.7% YoY+2.6% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
65.1%
-2.8% YoY-2.1% QoQ
|
-16.3% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.1%
-47.5% YoY+164.0% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
40.0%
-8.1% YoY-2.8% QoQ
|
-21.2% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$14,985
+0.4% YoY-2.5% QoQ
|
+$358 |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
6.3%
-4.6% YoY+1.5% QoQ
|
-18.1% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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)