BlastPoint's Credit Union Scorecard
GHA
Charter #21774 · CT
GHA demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.1% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,417
-0.2% YoY+0.3% QoQ
|
-198 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$31.6M
+5.4% YoY+3.0% QoQ
|
+$1.5M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$10.2M
-8.3% YoY-1.0% QoQ
|
$-5.5M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$26.5M
+4.0% YoY+2.8% QoQ
|
+$820K |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
1.8%
+60.4% YoY+12.0% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Top 10.6% in tier |
| NIM |
4.2%
+6.6% YoY-0.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
65.5%
-3.5% YoY+0.6% QoQ
|
-17.1% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.2%
-1.4% YoY+112.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
38.5%
-11.9% YoY-3.8% QoQ
|
-22.1% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$15,193
+0.5% YoY+1.4% QoQ
|
+$410 |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
7.1%
+5.1% YoY+12.3% QoQ
|
-17.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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)