BlastPoint's Credit Union Scorecard
G.A.P.
Charter #2405 · PA
G.A.P. demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Total Members: Top 7.0% in tier
- + Total Deposits: Top 7.8% in tier
- + Total Assets: Top 8.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,429
-0.3% YoY-1.1% QoQ
|
+3.8K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Top 7.1% in tier |
| Assets |
$78.6M
+4.8% YoY+3.2% QoQ
|
+$48.4M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Top 8.1% in tier |
| Loans |
$37.2M
+3.2% YoY-2.0% QoQ
|
+$22.0M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Top 11.8% in tier |
| Deposits |
$67.9M
+4.3% YoY+3.2% QoQ
|
+$42.1M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Top 7.8% in tier |
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| ROA |
1.3%
-23.5% YoY+16.7% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
4.0%
-2.7% YoY+15.6% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
69.7%
+11.1% YoY-2.9% QoQ
|
-21.0% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.9%
-16.9% YoY-45.4% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
54.9%
-1.0% YoY-5.0% QoQ
|
-3.6% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$16,352
+4.3% YoY+2.5% QoQ
|
+$1K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
2.3%
-1.3% YoY-4.4% QoQ
|
-22.0% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)