BlastPoint's Credit Union Scorecard

GENERAL ELECTRIC EMPLOYEES

Charter #4043 · CT

1077 CUs in 100M-500M nationally 16 in CT

GENERAL ELECTRIC EMPLOYEES has 1 strength but faces 7 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

+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.8% in tier
- Credit Quality Pressure: Bottom 5.2% in tier
- Membership Headwinds: Bottom 28.0% in tier
- Stagnation Risk: Bottom 32.3% in tier
- ROA 0.37% below tier average
- Efficiency ratio 10.75% above tier (higher cost structure)
- Delinquency rate 0.61% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	25,853 -1.1% YoY-0.0% QoQ	+10.2K	15,628 -3.4% YoY	13,754 +3.9% YoY	33,089 +6.1% YoY	Top 11.5% in tier
Assets	$270.3M +1.0% YoY-1.3% QoQ	+$39.0M	$231.3M -0.0% YoY	$223.0M +8.2% YoY	$547.7M +7.8% YoY	68%
Loans	$153.4M -0.5% YoY-1.2% QoQ	+$5.6M	$147.8M -1.4% YoY	$129.0M +9.8% YoY	$388.7M +8.6% YoY	62%
Deposits	$243.2M -0.2% YoY-2.2% QoQ	+$42.9M	$200.3M -0.0% YoY	$195.5M +7.9% YoY	$464.6M +9.3% YoY	70%

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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	0.4% -14.4% YoY+13.5% QoQ	-0.4%	0.8% +15.5% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	26%
NIM	3.4% +1.5% YoY+3.4% QoQ	-0.2%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	40%
Efficiency Ratio	88.0% +0.5% YoY-1.3% QoQ	+10.7%	77.3% -3.0% YoY	85.8% +0.7% YoY	79.1% -3.3% YoY	Top 14.2% in tier
Delinquency Rate	1.5% +56.1% YoY+9.4% QoQ	+0.6	0.9% +7.6% YoY	1.2% +0.2% YoY	1.2% -0.9% YoY	85%
Loan To Share	63.1% -0.3% YoY+1.0% QoQ	-9.6%	72.7% -1.5% YoY	56.5% +1.7% YoY	68.0% -1.7% YoY	28%
AMR	$15,343 +0.8% YoY-1.8% QoQ	$-9K	$24,363 +2.9% YoY	$16,763 +4.9% YoY	$19,418 +1.3% YoY	Bottom 11.1% in tier
CD Concentration	18.4% +5.1% YoY+7.1% QoQ	-6.0%	24.4% +4.2% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#51 of 521 • Bottom 2.8% in tier

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

Why This Signature

Efficiency Ratio: 88.02%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#130 of 736 • Bottom 5.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.53% 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

Membership Headwinds

decline

#461 of 550 • Bottom 28.0% in tier

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

Why This Signature

Member Growth (YoY): -1.09%

(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 | New qualifier

Stagnation Risk

risk

#533 of 550 • Bottom 32.3% 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): -1.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.49%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.47%

(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 | 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 1077 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

124

Total Members

engagement

Value: 25,853

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

136

Members Per Employee (MPE)

engagement

Value: 438.186

Peer Avg: -

#136 of 1077 Top 12.5% in 100M-500M tier

Top Weaknesses (6 metrics)

957

Average Member Relationship (AMR)

engagement

Value: $15,343

Peer Avg: -

#957 of 1077 Bottom 11.2% in 100M-500M tier

935

Loan-to-Member Ratio (LMR)

engagement

Value: $5,934

Peer Avg: -

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

925

Efficiency Ratio

profitability

Value: 88.02%

Peer Avg: -

#925 of 1077 Bottom 14.2% in 100M-500M tier

915

Total Delinquency Rate (60+ days)

risk

Value: 1.47%

Peer Avg: -

#915 of 1077 Bottom 15.1% in 100M-500M tier

886

Deposit Growth Rate

growth

Value: -0.18%

Peer Avg: -

#886 of 1077 Bottom 17.8% in 100M-500M tier

856

Fee Income Per Member

profitability

Value: $111.74

Peer Avg: -

#856 of 1077 Bottom 20.6% in 100M-500M tier