BlastPoint's Credit Union Scorecard

GHS

Charter #3841 · NY

1069 CUs in 100M-500M nationally 54 in NY

GHS has 2 strengths but faces 8 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

+ ROA 0.17% above tier average
+ Net Interest Margin 1.05% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 28.5% in tier
- Credit Risk Growth: Bottom 45.9% in tier
- Stagnation Risk: Bottom 62.6% in tier
- Indirect Auto Dependency: Bottom 71.1% in tier
- Membership Headwinds: Bottom 81.0% in tier
- Delinquency rate 3.76% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- Net Charge-Off Rate: Bottom 5.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	15,948 -1.2% YoY-0.2% QoQ	+510	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	61%
Assets	$232.2M +2.0% YoY+1.9% QoQ	+$329K	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	59%
Loans	$162.3M +3.5% YoY+0.3% QoQ	+$15.0M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	65%
Deposits	$210.2M +0.4% YoY+1.4% QoQ	+$9.4M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	61%

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	0.9% +1137.5% YoY+92.9% QoQ	+0.2%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	63%
NIM	4.7% +5.6% YoY+0.2% QoQ	+1.1%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Top 7.0% in tier
Efficiency Ratio	65.8% -21.9% YoY-3.9% QoQ	-11.2%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	16%
Delinquency Rate	4.7% +8.3% YoY+1.7% QoQ	+3.8	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	Top 0.6% in tier
Loan To Share	77.2% +3.1% YoY-1.1% QoQ	+5.0%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	56%
AMR	$23,362 +3.0% YoY+1.1% QoQ	$-1K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	54%
CD Concentration	26.0% +22.3% YoY+1.7% QoQ	+1.6%	24.4%	16.3%	19.8%	50%
Indirect Auto %	26.4% -5.9% YoY-0.5% QoQ	+12.6%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#202 of 705 • Bottom 28.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk

#210 of 456 • Bottom 45.9% in tier

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

Why This Signature

Loan Growth (YoY): 3.55%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Stagnation Risk

risk

#347 of 554 • Bottom 62.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.24%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.55%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 4.66%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#360 of 506 • Bottom 71.1% in tier

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

Why This Signature

Asset Growth (YoY): 1.98%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 26.39%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.24%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Membership Headwinds

decline

#449 of 554 • Bottom 81.0% in tier

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

Why This Signature

Member Growth (YoY): -1.24%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.66%

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

176

Efficiency Ratio

profitability

Value: 65.85%

Peer Median: -

#176 of 1069 Top 16.4% in 100M-500M tier

201

First Mortgage Concentration (%)

balance_sheet

Value: 14.18%

Peer Median: -

#201 of 1069 Top 18.7% in 100M-500M tier

231

Members Per Employee (MPE)

engagement

Value: 388.976

Peer Median: -

#231 of 1069 Top 21.5% in 100M-500M tier

234

Fee Income Per Member

profitability

Value: $224.17

Peer Median: -

#234 of 1069 Top 21.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1064

Total Delinquency Rate (60+ days)

risk

Value: 4.66%

Peer Median: -

#1064 of 1069 Bottom 0.6% in 100M-500M tier

1017

Net Charge-Off Rate

risk

Value: 1.50%

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

881

Net Worth Ratio

risk

Value: 9.30%

Peer Median: -

#881 of 1069 Bottom 17.7% in 100M-500M tier

860

Deposit Growth Rate

growth

Value: 0.44%

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

856

Indirect Auto Concentration (%)

balance_sheet

Value: 26.39%

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier