BlastPoint's Credit Union Scorecard
G.A.P.
Charter #2405 · PA
G.A.P. demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.19% above tier average
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.5% in tier
- + Total Deposits: Top 9.5% in tier
- + Total Assets: Top 9.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,490
+0.4% YoY+0.1% QoQ
|
+3.9K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 7.5% in tier |
| Assets |
$75.0M
+5.1% YoY+0.5% QoQ
|
+$45.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 9.7% in tier |
| Loans |
$38.9M
+9.4% YoY+2.0% QoQ
|
+$23.1M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Top 11.2% in tier |
| Deposits |
$64.3M
+3.8% YoY+0.1% QoQ
|
+$38.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 9.6% in tier |
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| ROA |
1.9%
-3.9% YoY+1.6% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 11.5% in tier |
| NIM |
4.3%
+4.8% YoY+0.5% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
60.5%
+6.7% YoY+2.3% QoQ
|
-20.9% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
0.7%
-32.0% YoY+7.3% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
60.5%
+5.4% YoY+1.9% QoQ
|
-0.8% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$15,898
+5.4% YoY+0.7% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
2.5%
+25.1% YoY+8.2% QoQ
|
-21.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% 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)