G.P.O.
Charter #22931 | NY
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
7 500M-750M in NY
G.P.O. has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.5% in tier
- + Organic Growth Leader: Top 5.7% in tier
- + Wallet Share Momentum: Top 19.7% in tier
- + Relationship Depth Leader: Top 23.1% in tier
- + ROA 0.76% above tier average
- + Strong member growth: 5.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 12.4% in tier
- - Credit Quality Pressure: Bottom 19.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,498
+5.2% YoY+1.3% QoQ
|
+2.7K |
39,752
-2.7% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
62nd in tier |
| Assets |
$591.3M
+10.1% YoY+1.9% QoQ
|
$-31.0M |
$622.4M
+0.3% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$317.0M
+9.5% YoY+2.9% QoQ
|
$-118.9M |
$435.9M
-0.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.5% in tier |
| Deposits |
$520.0M
+9.8% YoY+1.8% QoQ
|
$-18.0M |
$538.0M
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
41st in tier |
| ROA |
1.4%
+7.3% YoY+23.3% QoQ
|
+0.8% |
0.7%
+33.9% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 8.9% in tier |
| NIM |
3.3%
-0.1% YoY+0.6% QoQ
|
-0.1% |
3.4%
+8.6% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
37th in tier |
| Efficiency Ratio |
68.3%
+1.1% YoY-6.0% QoQ
|
-9.8% |
78.1%
-3.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate |
0.4%
+31.6% YoY+9.5% QoQ
|
-0.4 |
0.8%
-4.9% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
29th in tier |
| Loan To Share |
61.0%
-0.3% YoY+1.0% QoQ
|
-20.1% |
81.0%
-1.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.5% in tier |
| AMR |
$19,696
+4.3% YoY+0.9% QoQ
|
$-7K |
$26,482
+2.6% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 16.0% in tier |
| CD Concentration |
29.8%
+9.0% YoY+3.9% QoQ
|
+5.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
70th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#10 of 603 • Top 0.5% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
5.18%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.42%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#76 of 430 • Top 5.7% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
5.18%
(Tier:
0.88%, National:
9.37%)
430 of 281 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#544 of 1006 • Top 19.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.32%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#638 of 1006 • Top 23.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.32%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.4K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
Concerns (2)
Growth-at-Risk
risk
#186 of 446 • Bottom 12.4% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
9.54%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.11% points
(Tier:
0.04% points, National:
0.07% points)
446 of 281 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#477 of 736 • Bottom 19.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.11% points
(Tier:
0.04% points, National:
0.07% points)
736 of 281 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 16.19%
#1 of 169
Top 0.0% in 500M-750M tier
15
Return on Assets (ROA)
profitability
Value:
1.42%
Peer Avg: 0.66%
#15 of 169
Top 8.3% in 500M-750M tier
18
Member Growth Rate
growth
Value:
5.18%
Peer Avg: 1.75%
#18 of 169
Top 10.1% in 500M-750M tier
20
Asset Growth Rate
growth
Value:
10.05%
Peer Avg: 4.33%
#20 of 169
Top 11.2% in 500M-750M tier
25
Efficiency Ratio
profitability
Value:
68.28%
Peer Avg: 78.10%
#25 of 169
Top 14.2% in 500M-750M tier
26
Deposit Growth Rate
growth
Value:
9.83%
Peer Avg: 5.25%
#26 of 169
Top 14.8% in 500M-750M tier
35
Loan Growth Rate
growth
Value:
9.54%
Peer Avg: 4.04%
#35 of 169
Top 20.1% in 500M-750M tier
40
Fee Income Per Member
profitability
Value:
$242.63
Peer Avg: $199.27
#40 of 169
Top 23.1% in 500M-750M tier
Top Weaknesses (4 metrics)
153
Loan-to-Share Ratio
balance_sheet
Value:
60.97%
Peer Avg: 81.02%
#153 of 169
Bottom 10.1% in 500M-750M tier
153
Total Loans
balance_sheet
Value:
$317.05M
Peer Avg: $435.95M
#153 of 169
Bottom 10.1% in 500M-750M tier
152
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,460
Peer Avg: $11,805
#152 of 169
Bottom 10.7% in 500M-750M tier
142
Average Member Relationship (AMR)
engagement
Value:
$19,696
Peer Avg: $26,482
#142 of 169
Bottom 16.6% in 500M-750M tier