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 3.1% in tier
Key Concerns
Areas that may need attention
- - ROA 5.73% below tier average
- - Efficiency ratio 138.42% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.7% in tier
- - First Mortgage Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,526
-0.0% YoY0% QoQ
|
+2.9K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 11.3% in tier |
| Assets |
$37.7M
-5.0% YoY-3.1% QoQ
|
+$7.9M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$23.9M
-3.9% YoY-0.9% QoQ
|
+$8.1M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$34.8M
-1.0% YoY+0.9% QoQ
|
+$9.3M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
-5.0%
-1790.8% YoY-1982.4% QoQ
|
-5.7% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.0% in tier |
| NIM |
2.9%
+1.9% YoY+2.0% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 15.0% in tier |
| Efficiency Ratio |
219.8%
+150.0% YoY+148.0% QoQ
|
+138.4% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
Top 1.0% in tier |
| Delinquency Rate |
0.4%
+107.4% YoY-8.0% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
68.8%
-2.9% YoY-1.7% QoQ
|
+7.5% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$10,616
-2.2% YoY+0.2% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
29.7%
+1.9% YoY+2.8% QoQ
|
+5.3% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
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)