BlastPoint's Credit Union Scorecard
G.P.O.
Charter #22931 · NY
G.P.O. has 6 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.0% in tier
- + Organic Growth Leader: Top 24.9% in tier
- + Wallet Share Momentum: Top 98.2% in tier
- + ROA 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 68.1% in tier
- - Credit Quality Pressure: Bottom 83.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
- - Loan-to-Share Ratio: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,772
+4.4% YoY+0.6% QoQ
|
+4.2K |
38,575
-4.8% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$608.2M
+10.8% YoY+2.9% QoQ
|
$-13.5M |
$621.7M
+0.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$319.3M
+8.0% YoY+0.7% QoQ
|
$-110.5M |
$429.8M
-1.8% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.3% in tier |
| Deposits |
$533.9M
+10.6% YoY+2.7% QoQ
|
$-4.8M |
$538.7M
+0.6% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
1.4%
+8.4% YoY-2.5% QoQ
|
+0.7% |
0.7%
+42.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 6.7% in tier |
| NIM |
3.3%
+0.6% YoY-0.5% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
68.3%
-0.4% YoY+0.1% QoQ
|
-9.2% |
77.5%
-4.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
0.5%
+12.2% YoY+6.9% QoQ
|
-0.4 |
0.8%
-1.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
59.8%
-2.3% YoY-1.9% QoQ
|
-20.0% |
79.8%
-2.3% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.1% in tier |
| AMR |
$19,949
+5.0% YoY+1.3% QoQ
|
$-7K |
$26,849
+2.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.1% in tier |
| CD Concentration |
29.6%
+4.9% YoY-0.6% QoQ
|
+5.2% | 24.4% | 16.3% | 19.8% | 70% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)