BlastPoint's Credit Union Scorecard
GECU
Charter #24941 · TX
GECU has 7 strengths but faces 6 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 43.4% in tier
- + Organic Growth Engine: Top 65.8% in tier
- + ROA 0.61% above tier average
- + Net Interest Margin 1.42% above tier average
- + Total Members: Top 1.3% in tier
- + First Mortgage Concentration (%): Top 3.9% in tier
- + Total Loans: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.1% in tier
- - Indirect Auto Dependency: Bottom 22.0% in tier
- - Credit Risk Growth: Bottom 22.7% in tier
- - Credit Quality Pressure: Bottom 38.6% in tier
- - Delinquency rate 0.42% above tier average
- - Average Member Relationship (AMR): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
441,513
+1.2% YoY+0.4% QoQ
|
+211.2K |
230,353
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 2.6% in tier |
| Assets |
$4.6B
+5.4% YoY+3.3% QoQ
|
+$634.1M |
$3.9B
+0.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$3.7B
+9.7% YoY+3.0% QoQ
|
+$781.8M |
$2.9B
-0.2% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 6.6% in tier |
| Deposits |
$3.6B
+9.7% YoY+0.4% QoQ
|
+$295.0M |
$3.3B
-0.3% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
1.3%
+16.0% YoY-5.0% QoQ
|
+0.6% |
0.7%
+16.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 10.5% in tier |
| NIM |
4.6%
+8.1% YoY+0.6% QoQ
|
+1.4% |
3.1%
+9.8% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
61.6%
-8.1% YoY+1.5% QoQ
|
-9.8% |
71.4%
-1.4% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
1.3%
+15.7% YoY+15.2% QoQ
|
+0.4 |
0.9%
+5.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
103.1%
-0.0% YoY+2.5% QoQ
|
+14.2% |
88.9%
-0.2% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$16,585
+8.4% YoY+1.3% QoQ
|
$-13K |
$29,682
+1.5% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.3% in tier |
| CD Concentration |
27.7%
+14.7% YoY+5.3% QoQ
|
-1.3% | 29.0% | 21.2% | 19.8% | 46% |
| Indirect Auto % |
39.7%
-6.8% YoY-2.6% QoQ
|
+21.4% | 18.3% | 7.1% | 7.8% | Top 10.6% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)