BlastPoint's Credit Union Scorecard
GEAUGA
Charter #61220 · OH
GEAUGA has 11 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.9% in tier
- + Organic Growth Leader: Top 27.8% in tier
- + Organic Growth Engine: Top 30.5% in tier
- + Emerging Performer: Top 56.9% in tier
- + ROA 0.06% above tier average
- + Members Per Employee (MPE): Top 1.7% in tier
- + Deposit Growth Rate: Top 2.0% in tier
- + Asset Growth Rate: Top 2.2% in tier
- + Efficiency Ratio: Top 2.4% in tier
- + Net Charge-Off Rate: Top 5.3% in tier
- + AMR Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.1% in tier
- - Credit Quality Pressure: Bottom 26.1% in tier
- - Margin Compression: Bottom 71.3% in tier
- - Delinquency rate 2.61% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Fee Income Per Member: Bottom 2.9% in tier
- - Total Assets: Bottom 5.3% in tier
- - Total Deposits: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,960
+4.1% YoY+1.2% QoQ
|
-8.5K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 10.5% in tier |
| Assets |
$107.9M
+18.6% YoY-0.7% QoQ
|
$-124.0M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.2% in tier |
| Loans |
$72.7M
+12.4% YoY+4.2% QoQ
|
$-74.7M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$97.1M
+19.2% YoY-1.1% QoQ
|
$-103.7M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.4% in tier |
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| ROA |
0.8%
-32.9% YoY+26.2% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.3%
+5.5% YoY+0.6% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
52.1%
-17.4% YoY+4.4% QoQ
|
-24.9% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
3.5%
+11.9% YoY-6.1% QoQ
|
+2.6 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 1.6% in tier |
| Loan To Share |
74.9%
-5.7% YoY+5.4% QoQ
|
+2.7% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$24,388
+11.6% YoY-0.1% QoQ
|
$-288 |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
19.0%
-20.0% YoY-24.6% QoQ
|
-5.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
1.9%
-43.9% YoY-14.8% QoQ
|
-11.9% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)