BlastPoint's Credit Union Scorecard
GALVESTON GOVERNMENT EMPLOYEES
Charter #67427 · TX
GALVESTON GOVERNMENT EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.50% above tier average
- + Members Per Employee (MPE): Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Efficiency ratio 22.19% above tier (higher cost structure)
- - Delinquency rate 2.20% above tier average
- - Member decline: -4.1% YoY
- - Asset Growth Rate: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 6.1% in tier
- - AMR Growth Rate: Bottom 6.6% in tier
- - Deposit Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,742
-4.1% YoY+0.1% QoQ
|
-934 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$6.9M
-9.2% YoY-0.5% QoQ
|
$-23.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$4.4M
-20.1% YoY-11.5% QoQ
|
$-10.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$6.2M
-9.7% YoY-0.4% QoQ
|
$-19.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
-0.7%
-465.3% YoY
|
-0.9% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.2% in tier |
| NIM |
4.5%
+2.9% YoY-4.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
112.8%
+9.9% YoY+14.3% QoQ
|
+22.2% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
3.7%
+106.1% YoY+0.4% QoQ
|
+2.2 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.6% in tier |
| Loan To Share |
70.6%
-11.6% YoY-11.1% QoQ
|
+12.1% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$6,089
-10.7% YoY-5.3% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.8% in tier |
| CD Concentration |
17.1%
-39.7% YoY-21.9% QoQ
|
-7.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)