BlastPoint's Credit Union Scorecard
GALVESTON GOVERNMENT EMPLOYEES
Charter #67427 · TX
GALVESTON GOVERNMENT EMPLOYEES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Efficiency ratio 16.44% above tier (higher cost structure)
- - Delinquency rate 2.38% above tier average
- - Member decline: -5.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 8.8% in tier
- - Deposit Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,739
-5.0% YoY-4.1% QoQ
|
-886 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$7.1M
-6.2% YoY-0.9% QoQ
|
$-22.7M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$5.1M
-15.3% YoY-3.8% QoQ
|
$-10.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$6.3M
-8.4% YoY-2.6% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
0.1%
-66.2% YoY-190.4% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
4.7%
+6.9% YoY+1.2% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
97.8%
+3.7% YoY-1.7% QoQ
|
+16.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 12.8% in tier |
| Delinquency Rate |
3.9%
+99.1% YoY+33.8% QoQ
|
+2.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.8% in tier |
| Loan To Share |
81.0%
-7.6% YoY-1.3% QoQ
|
+19.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$6,556
-7.0% YoY+1.0% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.5% in tier |
| CD Concentration |
23.7%
-12.9% YoY-10.4% QoQ
|
-0.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)