BlastPoint's Credit Union Scorecard
G.P.O.
Charter #22931 · NY
G.P.O. demonstrates 3 strengths
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.0% in tier
- + Organic Growth Leader: Top 14.0% in tier
- + ROA 0.30% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in New York.
- Shares and deposits +8.1% year over year ($552M in shares and deposits).
- Membership: 43,619 members, +4.0% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 1.11%.
- Efficiency ratio 73.25% vs a 76.56% peer average.
- Loan-to-share ratio 59.59% vs a 79.33% 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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,619
+4.0% YoY+0.9% QoQ
|
+5.7K |
37,897
-5.0% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$629.8M
+8.5% YoY+1.3% QoQ
|
+$7.4M |
$622.4M
+0.6% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$329.1M
+6.8% YoY+3.6% QoQ
|
$-99.4M |
$428.5M
-0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.5% in tier |
| Deposits |
$552.2M
+8.1% YoY+0.9% QoQ
|
+$12.5M |
$539.8M
+0.9% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
1.1%
-3.4% YoY+30.6% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
3.4%
+3.8% YoY+2.8% QoQ
|
-0.1% |
3.5%
+5.0% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
73.3%
+0.8% YoY-5.8% QoQ
|
-3.3% |
76.6%
-3.6% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.4%
-4.2% YoY-11.8% QoQ
|
-0.4 |
0.8%
+3.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
19% |
| Loan To Share |
59.6%
-1.3% YoY+2.7% QoQ
|
-19.7% |
79.3%
-1.4% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.3% in tier |
| AMR |
$20,205
+3.5% YoY+1.0% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration |
29.5%
+2.8% YoY+0.7% QoQ
|
+5.0% | 24.6% | 16.4% | 20.0% | 69% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)