BlastPoint's Credit Union Scorecard
GHA
Charter #21774 · CT
GHA has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Members Per Employee (MPE): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits -7.2% year over year ($24.4M in shares and deposits).
- Membership: 2,361 members, -2.4% vs a year ago.
- Delinquency rate 0.56%.
- Return on assets 1.47%.
- Efficiency ratio 70.43% vs a 88.77% peer average.
- Loan-to-share ratio 41.29% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,361
-2.4% YoY-1.0% QoQ
|
-224 |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$29.7M
-4.3% YoY-3.7% QoQ
|
$-543K |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$10.1M
-6.9% YoY+1.2% QoQ
|
$-5.4M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$24.4M
-7.2% YoY-4.9% QoQ
|
$-1.4M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
1.5%
+3.4% YoY-29.3% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
4.5%
+8.3% YoY+2.9% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
70.4%
+5.9% YoY+8.0% QoQ
|
-18.3% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
0.6%
+340.6% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
41.3%
+0.2% YoY+6.4% QoQ
|
-17.6% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$14,616
-4.9% YoY-2.2% QoQ
|
$-346 |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
7.7%
+24.4% YoY+8.7% QoQ
|
-16.8% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)