BlastPoint's Credit Union Scorecard

GHA

Charter #21774 · CT

<100M
2508 CUs in <100M nationally 43 in CT

GHA demonstrates 3 strengths

National Analysis

How does the industry compare?
CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.93% above tier average
  • + Net Interest Margin 0.32% above tier average
  • + Members Per Employee (MPE): Top 7.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 2,385
-1.1% YoY-1.3% QoQ
 -291 2,676
+1.6% YoY
 14,157
+8.2% YoY
 33,913
+5.7% YoY
 59%
Assets $30.9M
-0.6% YoY-2.3% QoQ
 +$686K $30.2M
+1.3% YoY
 $246.5M
+13.9% YoY
 $578.3M
+9.0% YoY
 60%
Loans $10.0M
-9.8% YoY-2.4% QoQ
 $-5.3M $15.3M
-2.0% YoY
 $136.3M
+13.4% YoY
 $402.4M
+8.7% YoY
 52%
Deposits $25.7M
-3.0% YoY-3.1% QoQ
 $-107K $25.8M
+0.7% YoY
 $217.1M
+13.8% YoY
 $494.3M
+9.1% YoY
 59%

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Tier 1
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ROA 2.1%
+66.6% YoY+18.5% QoQ
 +1.9% 0.1%
-77.6% YoY
 0.6%
+218.7% YoY
 0.4%
-39.2% YoY
 Top 5.5% in tier
NIM 4.3%
+5.5% YoY+3.0% QoQ
 +0.3% 4.0%
+4.0% YoY
 3.6%
+1.6% YoY
 3.8%
+4.1% YoY
 71%
Efficiency Ratio 65.2%
-3.5% YoY-0.4% QoQ
 -25.4% 90.6%
+6.5% YoY
 83.6%
-6.8% YoY
 84.6%
+2.8% YoY
 18%
Delinquency Rate 0.1%
-30.1% QoQ
 -1.4 1.5%
+3.8% YoY
 2.5%
+122.5% YoY
 1.2%
+3.4% YoY
 24%
Loan To Share 38.8%
-7.0% YoY+0.8% QoQ
 -19.7% 58.5%
-3.0% YoY
 52.8%
-1.3% YoY
 65.6%
-1.4% YoY
 20%
AMR $14,945
-4.0% YoY-1.6% QoQ
 +$60 $14,884
-1.7% YoY
 $17,581
+5.9% YoY
 $19,920
+1.6% YoY
 55%
CD Concentration 7.1%
+10.3% YoY+0.4% QoQ
 -17.2% 24.3% 14.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 4.5% 7.7% 50%

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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
137
Return on Assets (ROA)
profitability
Value: 2.08%
Peer Median: 0.61%
#137 of 2508 Top 5.4% in <100M tier
191
Members Per Employee (MPE)
engagement
Value: 596.250
Peer Median: 333.750
#191 of 2508 Top 7.6% in <100M tier
454
Efficiency Ratio
profitability
Value: 65.23%
Peer Median: 81.45%
#454 of 2508 Top 18.1% in <100M tier
604
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Median: 0.65%
#604 of 2508 Top 24.0% in <100M tier

Top Weaknesses (3 metrics)

1997
Loan-to-Share Ratio
balance_sheet
Value: 38.82%
Peer Median: 58.72%
#1997 of 2508 Bottom 20.4% in <100M tier
1989
AMR Growth Rate
growth
Value: -3.97%
Peer Median: 1.27%
#1989 of 2508 Bottom 20.7% in <100M tier
1931
Loan Growth Rate
growth
Value: -9.82%
Peer Median: -2.36%
#1931 of 2508 Bottom 23.0% in <100M tier
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