BlastPoint's Credit Union Scorecard
G.A.P.
Charter #2405 · PA
G.A.P. demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.38% above tier average
- + Total Members: Top 6.7% in tier
- + Total Deposits: Top 7.8% in tier
- + Total Assets: Top 8.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +5.6% year over year ($67.8M in shares and deposits).
- Membership: 6,499 members, +0.2% vs a year ago.
- Delinquency rate 0.74%.
- Return on assets 1.66%.
- Efficiency ratio 64.18% vs a 88.77% peer average.
- Loan-to-share ratio 57.32% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,499
+0.2% YoY+1.1% QoQ
|
+3.9K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 6.8% in tier |
| Assets |
$79.0M
+5.9% YoY+0.4% QoQ
|
+$48.7M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Top 8.2% in tier |
| Loans |
$38.9M
+2.0% YoY+4.4% QoQ
|
+$23.4M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 10.9% in tier |
| Deposits |
$67.8M
+5.6% YoY-0.1% QoQ
|
+$42.0M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Top 7.8% in tier |
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| ROA |
1.7%
-9.7% YoY+29.1% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
4.3%
+0.8% YoY+6.2% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
64.2%
+8.6% YoY-7.9% QoQ
|
-24.6% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.7%
+7.3% YoY-14.6% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
57.3%
-3.4% YoY+4.5% QoQ
|
-1.6% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$16,413
+4.0% YoY+0.4% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
2.4%
+5.8% YoY+6.5% QoQ
|
-22.1% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)