BlastPoint's Credit Union Scorecard
GENERAL ELECTRIC EMPLOYEES
Charter #4043 · CT
GENERAL ELECTRIC EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: 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 0.51% below tier average
- - Efficiency ratio 14.03% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,317
-17.6% YoY-1.2% QoQ
|
+6.2K |
15,145
-2.5% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$288.0M
+3.3% YoY+3.7% QoQ
|
+$56.3M |
$231.7M
+0.8% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$152.7M
-0.7% YoY-0.5% QoQ
|
+$8.5M |
$144.1M
+0.2% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$259.6M
+2.3% YoY+3.6% QoQ
|
+$58.5M |
$201.1M
+0.4% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
73% |
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| ROA |
0.2%
-23.6% YoY-46.9% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.2%
-1.7% YoY-6.2% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
92.1%
+1.4% YoY+4.3% QoQ
|
+14.0% |
78.0%
-1.7% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate |
0.9%
+12.4% YoY-28.6% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
58.8%
-2.9% YoY-4.0% QoQ
|
-11.6% |
70.4%
-0.4% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$19,340
+22.8% YoY+3.3% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
20.2%
+17.3% YoY+4.5% QoQ
|
-4.1% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)