BlastPoint's Credit Union Scorecard

GENERAL ELECTRIC EMPLOYEES

Charter #4043 · CT

100M-500M

1024 CUs in 100M-500M nationally 13 in CT

GENERAL ELECTRIC EMPLOYEES has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 1.8% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.59% below tier average
- Efficiency ratio 15.31% above tier (higher cost structure)
- Delinquency rate 0.69% above tier average

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 13 that size in Connecticut.
Shares and deposits +2.8% year over year ($256M in shares and deposits).
Membership: 21,384 members, -17.3% vs a year ago.
Delinquency rate 1.57%.
Return on assets 0.28%.
Efficiency ratio 92.05% vs a 76.73% peer average.
Loan-to-share ratio 57.78% 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 (CT)	National Avg	Tier Percentile
Members	21,384 -17.3% YoY+0.3% QoQ	+6.2K	15,168 -2.6% YoY	14,203 +5.8% YoY	34,678 +6.6% YoY	81%
Assets	$283.2M +3.4% YoY-1.7% QoQ	+$51.2M	$232.0M +0.7% YoY	$248.5M +12.0% YoY	$593.1M +10.2% YoY	71%
Loans	$147.8M -4.9% YoY-3.2% QoQ	+$1.5M	$146.3M +0.2% YoY	$139.3M +11.4% YoY	$418.6M +10.1% YoY	60%
Deposits	$255.7M +2.8% YoY-1.5% QoQ	+$55.0M	$200.7M +0.2% YoY	$217.7M +11.5% YoY	$504.8M +10.3% YoY	73%

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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	0.3% -25.4% YoY+26.1% QoQ	-0.6%	0.9% +12.5% YoY	1.1% +193.3% YoY	1.2% +121.4% YoY	Bottom 12.9% in tier
NIM	3.2% -3.0% YoY+0.4% QoQ	-0.5%	3.7% +4.5% YoY	3.6% -1.0% YoY	3.8% +2.3% YoY	23%
Efficiency Ratio	92.0% +3.2% YoY-0.0% QoQ	+15.3%	76.7% -0.8% YoY	90.9% -27.8% YoY	83.0% -5.3% YoY	Bottom 7.8% in tier
Delinquency Rate	1.6% +16.5% YoY+67.9% QoQ	+0.7	0.9% +6.6% YoY	1.4% +21.8% YoY	1.3% +2.6% YoY	Bottom 12.7% in tier
Loan To Share	57.8% -7.5% YoY-1.8% QoQ	-13.8%	71.5% -0.3% YoY	53.6% -1.6% YoY	66.4% -1.4% YoY	22%
AMR	$18,868 +20.7% YoY-2.4% QoQ	$-6K	$25,107 +3.2% YoY	$17,514 +4.9% YoY	$20,028 -0.9% YoY	25%
CD Concentration	21.4% +24.4% YoY+5.9% QoQ	-3.2%	24.6%	14.9%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	4.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#22 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 20.74%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#7 of 549 • Bottom 50.0% 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): -17.31%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.88%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.57%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#13 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -17.31%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#13 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $283.22M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -17.31%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.88%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Efficiency Drag

risk

#179 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.05%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.09% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -17.31%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#320 of 693 • 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): 0.22% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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 1024 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 20.74%

Peer Median: 3.53%

#19 of 1024 Top 1.8% in 100M-500M tier

196

Total Members

engagement

Value: 21,384

Peer Median: 13,128

#196 of 1024 Top 19.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1014

Member Growth Rate

growth

Value: -17.31%

Peer Median: -0.03%

#1014 of 1024 Bottom 1.1% in 100M-500M tier

945

Efficiency Ratio

profitability

Value: 92.05%

Peer Median: 77.26%

#945 of 1024 Bottom 7.8% in 100M-500M tier

917

Loan Growth Rate

growth

Value: -4.88%

Peer Median: 3.02%

#917 of 1024 Bottom 10.5% in 100M-500M tier

895

Total Delinquency Rate (60+ days)

risk

Value: 1.57%

Peer Median: 0.71%

#895 of 1024 Bottom 12.7% in 100M-500M tier

892

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: 0.75%

#892 of 1024 Bottom 13.0% in 100M-500M tier

797

Loan-to-Member Ratio (LMR)

engagement

Value: $6,909

Peer Median: $9,434

#797 of 1024 Bottom 22.3% in 100M-500M tier

794

Loan-to-Share Ratio

balance_sheet

Value: 57.78%

Peer Median: 73.07%

#794 of 1024 Bottom 22.6% in 100M-500M tier

791

Net Interest Margin (NIM)

profitability

Value: 3.21%

Peer Median: 3.67%

#791 of 1024 Bottom 22.9% in 100M-500M tier

776

Net Worth Ratio

risk

Value: 9.94%

Peer Median: 11.71%

#776 of 1024 Bottom 24.3% in 100M-500M tier