BlastPoint's Credit Union Scorecard

G.P.O.

Charter #22931 · NY

Community 500M-750M

167 CUs in 500M-750M nationally 6 in NY

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G.P.O. has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 14.7% in tier
+ Organic Growth Leader: Top 14.7% in tier
+ ROA 0.17% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 36.2% in tier
- Credit Risk Growth: Bottom 37.5% in tier
- Margin Compression: Bottom 38.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	43,222 +4.1% YoY+1.1% QoQ	+5.1K	38,079 -4.8% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	70%
Assets	$621.7M +9.3% YoY+2.2% QoQ	+$2.0M	$619.7M -0.2% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	52%
Loans	$317.5M +5.5% YoY-0.6% QoQ	$-101.8M	$419.3M -1.4% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Bottom 13.8% in tier
Deposits	$547.1M +9.2% YoY+2.5% QoQ	+$7.6M	$539.5M -0.1% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	54%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -18.8% YoY-38.4% QoQ	+0.2%	0.7% +36.0% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	65%
NIM	3.3% +1.5% YoY+0.9% QoQ	-0.1%	3.5% +4.5% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	40%
Efficiency Ratio	77.7% +4.4% YoY+13.7% QoQ	-0.7%	78.4% -3.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	0.4% +32.4% YoY-7.3% QoQ	-0.3	0.7% -0.9% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	32%
Loan To Share	58.0% -3.3% YoY-2.9% QoQ	-19.6%	77.7% -1.2% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Bottom 10.2% in tier
AMR	$20,004 +3.5% YoY+0.3% QoQ	$-7K	$26,927 +3.1% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	Bottom 14.4% in tier
CD Concentration	29.3% +4.1% YoY-1.1% QoQ	+5.0%	24.3%	16.4%	19.8%	69%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#51 of 352 • Top 14.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.13%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.85%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#108 of 371 • Top 14.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.13%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#483 of 727 • Bottom 36.2% 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: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#322 of 476 • Bottom 37.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.50%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Margin Compression

decline

#96 of 133 • Bottom 38.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.85%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.05%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Member Growth Rate

growth

Value: 4.13%

Peer Median: 1.03%

#19 of 167 Top 10.8% in 500M-750M tier

Asset Growth Rate

growth

Value: 9.30%

Peer Median: 4.66%

#29 of 167 Top 16.8% in 500M-750M tier

Deposit Growth Rate

growth

Value: 9.16%

Peer Median: 4.02%

#29 of 167 Top 16.8% in 500M-750M tier

Top Weaknesses (4 metrics)

150

Loan-to-Share Ratio

balance_sheet

Value: 58.04%

Peer Median: 79.97%

#150 of 167 Bottom 10.8% in 500M-750M tier

150

Loan-to-Member Ratio (LMR)

engagement

Value: $7,347

Peer Median: $11,231

#150 of 167 Bottom 10.8% in 500M-750M tier

144

Total Loans

balance_sheet

Value: $317.55M

Peer Median: $427.27M

#144 of 167 Bottom 14.4% in 500M-750M tier

143

Average Member Relationship (AMR)

engagement

Value: $20,004

Peer Median: $25,600

#143 of 167 Bottom 15.0% in 500M-750M tier