BlastPoint's Credit Union Scorecard

GECU

Charter #24941 · TX

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 5 in TX
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GECU has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 17.6% in tier
  • + ROA 0.62% above tier average
  • + Net Interest Margin 1.27% above tier average
  • + Total Members: Top 0.1% in tier
  • + First Mortgage Concentration (%): Top 5.1% in tier
  • + Total Loans: Top 6.4% in tier
  • + Net Worth Ratio: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 15.7% in tier
  • - Indirect Auto Dependency: Bottom 45.3% in tier
  • - Delinquency rate 0.24% above tier average
  • - Average Member Relationship (AMR): Bottom 5.1% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 444,307
+1.2% YoY+0.6% QoQ
 +223.9K 220,435
-7.6% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 Top 1.3% in tier
Assets $4.7B
+5.5% YoY+1.8% QoQ
 +$742.8M $3.9B
-1.5% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 Top 14.1% in tier
Loans $3.7B
+8.9% YoY+0.2% QoQ
 +$832.3M $2.9B
-1.1% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 Top 7.7% in tier
Deposits $3.8B
+8.2% YoY+5.2% QoQ
 +$497.0M $3.3B
-2.5% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 82%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 1.3%
+9.0% YoY+1.8% QoQ
 +0.6% 0.7%
+10.6% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 Top 12.8% in tier
NIM 4.5%
+2.1% YoY-1.8% QoQ
 +1.3% 3.2%
+4.6% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 Top 2.6% in tier
Efficiency Ratio 62.7%
+1.4% YoY+1.8% QoQ
 -8.5% 71.3%
-2.6% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 20%
Delinquency Rate 1.0%
-8.0% YoY-24.0% QoQ
 +0.2 0.7%
+9.2% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 76%
Loan To Share 98.2%
+0.7% YoY-4.8% QoQ
 +10.2% 88.0%
+0.9% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 77%
AMR $16,926
+7.3% YoY+2.1% QoQ
 $-14K $30,672
+5.5% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 Bottom 3.8% in tier
CD Concentration 27.7%
+16.6% YoY-0.1% QoQ
 -1.1% 28.8% 21.3% 19.8% 46%
Indirect Auto % 39.4%
-7.0% YoY-0.8% QoQ
 +21.3% 18.1% 6.9% 7.7% Bottom 11.2% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#67 of 125 • Top 17.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.29%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#36 of 198 • Bottom 45.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.45%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 39.38%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.16%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY

Liquidity Strain

risk
#47 of 148 • Bottom 15.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.17%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 8.92%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

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)

Comparing against 78 peers in tier

Top Strengths (12 metrics)

1
Total Members
engagement
Value: 444,307
Peer Median: 212,824
#1 of 78 Top 0.1% in 3B-5B tier
2
Net Interest Margin (NIM)
profitability
Value: 4.48%
Peer Median: 3.23%
#2 of 78 Top 1.3% in 3B-5B tier
5
First Mortgage Concentration (%)
balance_sheet
Value: 14.80%
Peer Median: 32.80%
#5 of 78 Top 5.1% in 3B-5B tier
6
Total Loans
balance_sheet
Value: $3.73B
Peer Median: $2.92B
#6 of 78 Top 6.4% in 3B-5B tier
7
Net Worth Ratio
risk
Value: 13.46%
Peer Median: 10.59%
#7 of 78 Top 7.7% in 3B-5B tier
10
Return on Assets (ROA)
profitability
Value: 1.35%
Peer Median: 0.75%
#10 of 78 Top 11.5% in 3B-5B tier
10
AMR Growth Rate
growth
Value: 7.29%
Peer Median: 2.86%
#10 of 78 Top 11.5% in 3B-5B tier
11
Total Assets
balance_sheet
Value: $4.66B
Peer Median: $3.94B
#11 of 78 Top 12.8% in 3B-5B tier
11
Members Per Employee (MPE)
engagement
Value: 532.104
Peer Median: 393.414
#11 of 78 Top 12.8% in 3B-5B tier
14
Total Deposits
balance_sheet
Value: $3.79B
Peer Median: $3.34B
#14 of 78 Top 16.7% in 3B-5B tier

Top Weaknesses (5 metrics)

75
Average Member Relationship (AMR)
engagement
Value: $16,926
Peer Median: $28,813
#75 of 78 Bottom 5.1% in 3B-5B tier
72
Loan-to-Member Ratio (LMR)
engagement
Value: $8,385
Peer Median: $13,137
#72 of 78 Bottom 9.0% in 3B-5B tier
70
Net Charge-Off Rate
risk
Value: 1.24%
Peer Median: 0.46%
#70 of 78 Bottom 11.5% in 3B-5B tier
69
Indirect Auto Concentration (%)
balance_sheet
Value: 39.38%
Peer Median: 18.10%
#69 of 78 Bottom 12.8% in 3B-5B tier
60
Total Delinquency Rate (60+ days)
risk
Value: 0.99%
Peer Median: 0.54%
#60 of 78 Bottom 24.4% in 3B-5B tier
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