BlastPoint's Credit Union Scorecard

GSA

Charter #2299 · DC

<100M

2508 CUs in <100M nationally 18 in DC

GSA has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.11% above tier average
+ Members Per Employee (MPE): Top 3.2% in tier

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 3.1% in tier
- First Mortgage Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	5,526 -0.0% YoY0% QoQ	+2.8K	2,676 +1.6% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	Top 10.7% in tier
Assets	$38.5M -1.6% YoY+1.1% QoQ	+$8.3M	$30.2M +1.3% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	68%
Loans	$22.8M -5.8% YoY-2.7% QoQ	+$7.5M	$15.3M -2.0% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	75%
Deposits	$35.6M +2.6% YoY+1.2% QoQ	+$9.8M	$25.8M +0.7% YoY	$357.7M +2.6% YoY	$494.3M +9.1% YoY	70%

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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	0.3% +2.4% YoY-106.4% QoQ	+0.1%	0.1% -77.6% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	33%
NIM	2.8% +0.2% YoY-3.2% QoQ	-1.2%	4.0% +4.0% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	Bottom 13.8% in tier
Efficiency Ratio	90.6% +1.8% YoY-53.2% QoQ	+0.0%	90.6% +6.5% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.3% -6.9% YoY-1.4% QoQ	-1.2	1.5% +3.8% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	37%
Loan To Share	64.1% -8.2% YoY-3.8% QoQ	+5.6%	58.5% -3.0% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	58%
AMR	$10,575 -0.8% YoY-0.4% QoQ	$-4K	$14,884 -1.7% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	31%
CD Concentration	28.4% +3.4% YoY-2.9% QoQ	+4.1%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 789.429

Peer Median: 333.750

#81 of 2508 Top 3.2% in <100M tier

269

Total Members

engagement

Value: 5,526

Peer Median: 1,918

#269 of 2508 Top 10.7% in <100M tier

Top Weaknesses (4 metrics)

2431

Net Worth Ratio

risk

Value: 7.44%

Peer Median: 14.28%

#2431 of 2508 Bottom 3.1% in <100M tier

2279

First Mortgage Concentration (%)

balance_sheet

Value: 47.50%

Peer Median: 3.66%

#2279 of 2508 Bottom 9.2% in <100M tier

2163

Net Interest Margin (NIM)

profitability

Value: 2.82%

Peer Median: 3.83%

#2163 of 2508 Bottom 13.8% in <100M tier

2014

Share Certificate Concentration (%)

balance_sheet

Value: 28.38%

Peer Median: 12.45%

#2014 of 2508 Bottom 19.7% in <100M tier