BlastPoint's Credit Union Scorecard
GHS
Charter #3841 · NY
GHS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 1.24% above tier average
- + Strong member growth: 18.4% YoY
- + Member Growth Rate: Top 1.6% in tier
- + Asset Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 4.01% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits +4.7% year over year ($217M in shares and deposits).
- Membership: 19,025 members, +18.4% vs a year ago.
- Delinquency rate 4.90%.
- Return on assets 1.64%.
- Efficiency ratio 62.72% vs a 76.73% peer average.
- Loan-to-share ratio 77.27% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,025
+18.4% YoY+0.9% QoQ
|
+3.9K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$252.7M
+11.3% YoY+2.4% QoQ
|
+$20.7M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$167.8M
+4.0% YoY+2.8% QoQ
|
+$21.5M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$217.1M
+4.7% YoY+0.0% QoQ
|
+$16.4M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
1.6%
+568.0% YoY-38.0% QoQ
|
+0.8% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 9.4% in tier |
| NIM |
4.9%
+7.6% YoY+1.3% QoQ
|
+1.2% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
62.7%
-10.5% YoY+13.2% QoQ
|
-14.0% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
4.9%
+16.0% YoY+7.2% QoQ
|
+4.0 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.5% in tier |
| Loan To Share |
77.3%
-0.6% YoY+2.8% QoQ
|
+5.7% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$20,229
-11.8% YoY+0.3% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
26.6%
+9.4% YoY+0.5% QoQ
|
+2.1% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % |
27.7%
+3.9% YoY+3.8% QoQ
|
+14.1% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)