BlastPoint's Credit Union Scorecard
GREENSTATE
Charter #60269 · IA
GREENSTATE has 6 strengths but faces 15 concerns
How does the industry compare?
What's your peer group doing?
How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.0% in tier
- + Wallet Share Momentum: Top 0.0% in tier
- + AMR Growth Rate: Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.0% in tier
- + Fee Income Per Member: Top 9.5% in tier
- + Loan-to-Member Ratio (LMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 0.0% in tier
- - Stagnation Risk: Bottom 0.0% in tier
- - Liquidity Strain: Bottom 9.1% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 12.06% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Member decline: -10.9% YoY
- - Net Interest Margin (NIM): Bottom 4.8% in tier
- - Member Growth Rate: Bottom 4.8% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Share Certificate Concentration (%): Bottom 4.8% in tier
- - Net Worth Ratio: Bottom 9.5% in tier
- - Total Assets: Bottom 9.5% in tier
- - Total Loans: Bottom 9.5% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
402,073
-10.9% YoY+0.9% QoQ
|
-1.4M |
1,831,295
-0.2% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 4.8% in tier |
| Assets |
$11.2B
+4.9% YoY+2.9% QoQ
|
$-18.0B |
$29.1B
+3.6% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.8% in tier |
| Loans |
$9.3B
+2.5% YoY-0.6% QoQ
|
$-12.0B |
$21.4B
+2.0% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.8% in tier |
| Deposits |
$8.8B
+2.2% YoY+3.1% QoQ
|
$-16.1B |
$24.9B
+4.3% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.0% in tier |
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| ROA |
0.0%
-89.5% YoY-91.4% QoQ
|
-0.7% |
0.7%
+30.7% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
2.1%
+23.5% YoY+0.5% QoQ
|
-1.0% |
3.1%
+7.9% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio |
76.7%
-5.1% YoY+1.8% QoQ
|
+12.1% |
64.6%
-4.0% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.3%
-39.2% YoY-39.5% QoQ
|
+0.1 |
1.2%
+0.3% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
106.6%
+0.3% YoY-3.6% QoQ
|
+17.5% |
89.1%
-2.0% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
Top 4.8% in tier |
| AMR |
$44,985
+14.8% YoY+0.2% QoQ
|
+$13K |
$31,580
+8.5% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
46.6%
-3.1% YoY-2.0% QoQ
|
+15.1% | 31.4% | 22.0% | 19.8% | Top 4.8% in tier |
| Indirect Auto % |
8.9%
-12.4% YoY+0.3% QoQ
|
-5.2% | 14.1% | 9.2% | 7.8% | 33% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)