BlastPoint's Credit Union Scorecard
GECU
Charter #24941 · TX
GECU has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.5% in tier
- + ROA 0.46% above tier average
- + Net Interest Margin 1.29% above tier average
- + Total Members: Top 0.1% in tier
- + First Mortgage Concentration (%): Top 5.2% in tier
- + Total Loans: Top 6.5% in tier
- + AMR Growth Rate: Top 9.1% in tier
- + Net Worth Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.0% in tier
- - Indirect Auto Dependency: Bottom 33.3% in tier
- - Delinquency rate 0.16% above tier average
- - Average Member Relationship (AMR): Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 6 that size in Texas.
- Shares and deposits +9.1% year over year ($3.85B in shares and deposits).
- Membership: 441,043 members, +1.3% vs a year ago.
- Delinquency rate 1.00%.
- Return on assets 1.39%.
- Efficiency ratio 62.17% vs a 69.45% peer average.
- Loan-to-share ratio 100.04% vs a 90.24% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
441,043
+1.3% YoY-0.7% QoQ
|
+224.5K |
216,545
-9.5% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 1.3% in tier |
| Assets |
$4.7B
+7.2% YoY+1.6% QoQ
|
+$833.1M |
$3.9B
-1.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 10.4% in tier |
| Loans |
$3.9B
+9.7% YoY+3.5% QoQ
|
+$922.9M |
$2.9B
-1.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 7.8% in tier |
| Deposits |
$3.9B
+9.1% YoY+1.5% QoQ
|
+$595.3M |
$3.3B
-2.6% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 14.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+9.8% YoY+3.3% QoQ
|
+0.5% |
0.9%
+25.3% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.5%
+1.6% YoY+1.1% QoQ
|
+1.3% |
3.2%
+3.8% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
62.2%
+0.6% YoY-0.9% QoQ
|
-7.3% |
69.5%
-2.3% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
1.0%
-5.4% YoY+1.0% QoQ
|
+0.2 |
0.8%
+5.5% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
100.0%
+0.6% YoY+1.9% QoQ
|
+9.8% |
90.2%
+0.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$17,474
+8.0% YoY+3.2% QoQ
|
$-14K |
$31,018
+6.9% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
28.8%
+14.3% YoY+4.0% QoQ
|
-0.3% | 29.1% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
38.9%
-5.7% YoY-1.2% QoQ
|
+20.8% | 18.1% | 6.9% | 7.7% | Bottom 11.2% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)