BlastPoint's Credit Union Scorecard

GHS

Charter #3841 · NY

1077 CUs in 100M-500M nationally 52 in NY

GHS has 1 strength but faces 9 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.06% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.0% in tier
- Credit Risk Growth: Bottom 15.8% in tier
- Indirect Auto Dependency: Bottom 24.4% in tier
- Membership Headwinds: Bottom 25.1% in tier
- Stagnation Risk: Bottom 26.2% in tier
- ROA 0.31% below tier average
- Delinquency rate 3.72% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.5% in tier
- Net Charge-Off Rate: Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	15,981 -1.4% YoY-0.5% QoQ	+352	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	61%
Assets	$227.8M +0.1% YoY+0.4% QoQ	$-3.5M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	58%
Loans	$161.9M +1.9% YoY+0.4% QoQ	+$14.1M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	65%
Deposits	$207.3M -0.7% YoY-0.1% QoQ	+$7.0M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +23.5% YoY+96.3% QoQ	-0.3%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	31%
NIM	4.6% +6.2% YoY+1.4% QoQ	+1.1%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Top 6.7% in tier
Efficiency Ratio	68.5% -16.9% YoY-2.2% QoQ	-8.8%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	22%
Delinquency Rate	4.6% +13.3% YoY+8.5% QoQ	+3.7	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Top 0.5% in tier
Loan To Share	78.1% +2.6% YoY+0.5% QoQ	+5.4%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	58%
AMR	$23,099 +1.8% YoY+0.7% QoQ	$-1K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	54%
CD Concentration	25.6% +27.8% YoY+5.2% QoQ	+1.2%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	26.5% -8.3% YoY-0.5% QoQ	+12.5%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#126 of 736 • Bottom 5.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.54% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#237 of 446 • Bottom 15.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.88%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.54% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#393 of 525 • Bottom 24.4% in tier

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

Why This Signature

Asset Growth (YoY): 0.14%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 26.52%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Membership Headwinds

decline

#414 of 550 • Bottom 25.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#432 of 550 • Bottom 26.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.88%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 4.58%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.65%

Peer Avg: -

#72 of 1077 Top 6.6% in 100M-500M tier

212

First Mortgage Concentration (%)

balance_sheet

Value: 14.65%

Peer Avg: -

#212 of 1077 Top 19.6% in 100M-500M tier

242

Efficiency Ratio

profitability

Value: 68.52%

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1073

Total Delinquency Rate (60+ days)

risk

Value: 4.58%

Peer Avg: -

#1073 of 1077 Bottom 0.5% in 100M-500M tier

1046

Net Charge-Off Rate

risk

Value: 1.63%

Peer Avg: -

#1046 of 1077 Bottom 3.0% in 100M-500M tier

935

Net Worth Ratio

risk

Value: 9.02%

Peer Avg: -

#935 of 1077 Bottom 13.3% in 100M-500M tier

927

Deposit Growth Rate

growth

Value: -0.74%

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

871

Asset Growth Rate

growth

Value: 0.14%

Peer Avg: -

#871 of 1077 Bottom 19.2% in 100M-500M tier

862

Indirect Auto Concentration (%)

balance_sheet

Value: 26.52%

Peer Avg: -

#862 of 1077 Bottom 20.1% in 100M-500M tier