BlastPoint's Credit Union Scorecard
GESA
Charter #68278 · WA
GESA has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.8% in tier
- + Emerging Performer: Top 45.0% in tier
- + Wallet Share Momentum: Top 64.7% in tier
- + Net Interest Margin 0.23% above tier average
- + Strong member growth: 7.2% YoY
- + Member Growth Rate: Top 8.8% in tier
- + Asset Growth Rate: Top 8.8% in tier
- + Deposit Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.0% in tier
- - Liquidity Strain: Bottom 22.3% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 2.06% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
312,875
+7.2% YoY+2.0% QoQ
|
+23.2K |
289,724
-2.8% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$6.4B
+15.2% YoY-0.7% QoQ
|
+$614.4M |
$5.8B
+0.2% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$4.9B
+10.1% YoY+1.2% QoQ
|
+$803.9M |
$4.1B
-3.1% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$5.3B
+17.4% YoY-1.4% QoQ
|
+$427.5M |
$4.9B
+2.2% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
0.7%
+7.0% YoY+13.3% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
3.1%
+4.6% YoY+0.6% QoQ
|
+0.2% |
2.9%
+3.9% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
70.2%
-1.2% YoY+0.1% QoQ
|
+2.1% |
68.1%
-1.7% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.6%
-5.1% YoY+14.7% QoQ
|
-0.0 |
0.6%
-2.2% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
91.9%
-6.3% YoY+2.6% QoQ
|
+8.3% |
83.6%
-5.7% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$32,608
+6.1% YoY-2.1% QoQ
|
$-2K |
$34,398
+4.0% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
27.1%
+4.7% YoY-5.3% QoQ
|
-1.8% |
28.9%
-1.3% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
44% |
| Indirect Auto % |
28.3%
-13.8% YoY-1.7% QoQ
|
+11.7% |
16.6%
-10.3% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
80% |
Signature Analysis
Strengths (3)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)