BlastPoint's Credit Union Scorecard

GHS

Charter #3841 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

GHS has 8 strengths but faces 7 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

+ Emerging Performer: Top 50.0% in tier
+ ROA 1.91% above tier average
+ Net Interest Margin 1.23% above tier average
+ Strong member growth: 25.2% YoY
+ Member Growth Rate: Top 1.7% in tier
+ Efficiency Ratio: Top 4.4% in tier
+ Fee Income Per Member: Top 6.0% in tier
+ Asset Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 3.79% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.4% in tier
- AMR Growth Rate: Bottom 1.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	18,850 +25.2% YoY+18.2% QoQ	+3.7K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	73%
Assets	$246.7M +10.0% YoY+6.3% QoQ	+$15.0M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	62%
Loans	$163.1M +2.0% YoY+0.5% QoQ	+$19.0M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	66%
Deposits	$217.1M +5.9% YoY+3.2% QoQ	+$15.9M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	63%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	2.6% -798.8% YoY+184.5% QoQ	+1.9%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 0.7% in tier
NIM	4.9% +10.4% YoY+4.5% QoQ	+1.2%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Top 4.0% in tier
Efficiency Ratio	55.4% -26.5% YoY-15.8% QoQ	-22.6%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Top 4.4% in tier
Delinquency Rate	4.6% +4.4% YoY-1.9% QoQ	+3.8	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Bottom 0.4% in tier
Loan To Share	75.2% -3.7% YoY-2.7% QoQ	+4.7%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	56%
AMR	$20,170 -16.8% YoY-13.7% QoQ	$-5K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	33%
CD Concentration	26.5% +13.6% YoY+1.8% QoQ	+2.2%	24.3%	16.4%	19.8%	50%
Indirect Auto %	26.7% -1.5% YoY+1.1% QoQ	+12.9%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#1 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 2.64%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 25.20%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#11 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -16.75%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#212 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 10.01%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 26.67%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 25.20%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#345 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#357 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.03%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (8 metrics)

Return on Assets (ROA)

profitability

Value: 2.64%

Peer Median: 0.69%

#8 of 1070 Top 0.7% in 100M-500M tier

Member Growth Rate

growth

Value: 25.20%

Peer Median: -0.06%

#19 of 1070 Top 1.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.87%

Peer Median: 3.62%

#43 of 1070 Top 3.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 55.42%

Peer Median: 78.68%

#48 of 1070 Top 4.4% in 100M-500M tier

Fee Income Per Member

profitability

Value: $286.48

Peer Median: $154.95

#65 of 1070 Top 6.0% in 100M-500M tier

106

Asset Growth Rate

growth

Value: 10.01%

Peer Median: 3.91%

#106 of 1070 Top 9.8% in 100M-500M tier

133

Members Per Employee (MPE)

engagement

Value: 438.372

Peer Median: 309.176

#133 of 1070 Top 12.3% in 100M-500M tier

194

First Mortgage Concentration (%)

balance_sheet

Value: 13.77%

Peer Median: 29.47%

#194 of 1070 Top 18.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1067

Total Delinquency Rate (60+ days)

risk

Value: 4.57%

Peer Median: 0.61%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1059

AMR Growth Rate

growth

Value: -16.75%

Peer Median: 3.46%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

945

Net Charge-Off Rate

risk

Value: 1.00%

Peer Median: 0.35%

#945 of 1070 Bottom 11.8% in 100M-500M tier

861

Indirect Auto Concentration (%)

balance_sheet

Value: 26.67%

Peer Median: 6.61%

#861 of 1070 Bottom 19.6% in 100M-500M tier