BlastPoint's Credit Union Scorecard
GSA
Charter #2299 · DC
GSA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 4.62% below tier average
- - Efficiency ratio 110.94% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.9% in tier
- - First Mortgage Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,526
-0.0% YoY0% QoQ
|
+2.9K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Top 11.1% in tier |
| Assets |
$38.1M
-2.3% YoY+1.0% QoQ
|
+$8.0M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$23.5M
-4.4% YoY-1.9% QoQ
|
+$7.7M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$35.2M
+1.9% YoY+1.3% QoQ
|
+$9.5M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
-4.0%
-1490.0% YoY-20.7% QoQ
|
-4.6% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.3% in tier |
| NIM |
2.9%
+1.8% YoY+0.8% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
193.5%
+119.3% YoY-12.0% QoQ
|
+110.9% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
0.4%
-18.0% YoY-1.8% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
66.6%
-6.2% YoY-3.1% QoQ
|
+6.0% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$10,614
-0.7% YoY-0.0% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
29.2%
+8.7% YoY-1.5% QoQ
|
+4.8% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 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)