BlastPoint's Credit Union Scorecard
GREENSTATE
Charter #60269 · IA
GREENSTATE has 5 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
- + 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 6.2% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 11.04% above tier (higher cost structure)
- - Delinquency rate 0.90% above tier average
- - Member decline: -12.6% YoY
- - Net Interest Margin (NIM): Bottom 4.8% in tier
- - Member Growth Rate: Bottom 4.8% in tier
- - Share Certificate Concentration (%): Bottom 4.8% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.5% in tier
- - Total Members: Bottom 9.5% in tier
- - Total Assets: Bottom 9.5% in tier
- - Total Loans: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
398,403
-12.6% YoY+1.6% QoQ
|
-1.4M |
1,822,416
+4.1% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 4.8% in tier |
| Assets |
$10.8B
+1.7% YoY+1.0% QoQ
|
$-17.9B |
$28.7B
+4.2% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.8% in tier |
| Loans |
$9.4B
+3.5% YoY+1.2% QoQ
|
$-11.7B |
$21.1B
+5.8% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.8% in tier |
| Deposits |
$8.5B
-1.0% YoY-0.2% QoQ
|
$-15.9B |
$24.4B
+7.2% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.0% in tier |
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| ROA |
0.2%
-13.5% YoY-18.3% QoQ
|
-0.5% |
0.8%
+17.7% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.8% in tier |
| NIM |
2.1%
+25.9% YoY+2.8% QoQ
|
-1.0% |
3.1%
+10.6% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio |
75.3%
-6.5% YoY-0.6% QoQ
|
+11.0% |
64.3%
-4.3% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
2.1%
-0.3% YoY-0.2% QoQ
|
+0.9 |
1.2%
+9.7% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Top 9.5% in tier |
| Loan To Share |
110.5%
+4.6% YoY+1.4% QoQ
|
+20.7% |
89.8%
-0.3% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 4.8% in tier |
| AMR |
$44,888
+15.9% YoY-1.1% QoQ
|
+$14K |
$31,184
+7.8% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
47.5%
-2.9% YoY+1.1% QoQ
|
+15.6% |
31.9%
+2.0% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
Top 4.8% in tier |
| Indirect Auto % |
8.9%
-17.5% YoY-3.7% QoQ
|
-5.4% |
14.2%
-8.9% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
38% |
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 declining year-over-year. Shrinking 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)