BlastPoint's Credit Union Scorecard
GREENSTATE
Charter #60269 · IA
GREENSTATE has 6 strengths but faces 8 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 8.3% in tier
- + Wallet Share Momentum: Top 8.3% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Fee Income Per Member: Top 4.2% in tier
- + AMR Growth Rate: Top 4.2% in tier
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.2% in tier
- - Membership Headwinds: Bottom 100.0% in tier
- - Stagnation Risk: Bottom 100.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 12.38% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Member decline: -10.3% YoY
- - Net Interest Margin (NIM): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
408,586
-10.3% YoY+1.6% QoQ
|
-1.3M |
1,712,610
-8.0% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$11.2B
+4.1% YoY+0.3% QoQ
|
$-17.0B |
$28.2B
-3.2% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$9.2B
+0.9% YoY-1.5% QoQ
|
$-11.0B |
$20.2B
-4.4% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$8.8B
+2.0% YoY+0.9% QoQ
|
$-15.2B |
$24.1B
-2.9% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.5% in tier |
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| ROA |
0.6%
+86.7% YoY
|
-0.3% |
0.9%
+31.5% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
2.3%
+16.4% YoY+8.6% QoQ
|
-0.9% |
3.2%
+4.6% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
76.3%
-2.5% YoY-0.5% QoQ
|
+12.4% |
63.9%
-3.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
1.3%
-38.4% YoY+0.4% QoQ
|
+0.3 |
0.9%
-6.9% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
104.1%
-1.1% YoY-2.3% QoQ
|
+18.1% |
86.0%
-3.3% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Top 4.2% in tier |
| AMR |
$44,120
+13.1% YoY-1.9% QoQ
|
+$12K |
$32,099
+9.5% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
79% |
| CD Concentration |
45.9%
-0.6% YoY-1.5% QoQ
|
+15.7% | 30.2% | 21.8% | 19.8% | Top 8.3% in tier |
| Indirect Auto % |
8.9%
-7.6% YoY+0.4% QoQ
|
-6.0% | 14.9% | 9.2% | 7.7% | 29% |
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)