BlastPoint's Credit Union Scorecard

GESA

Charter #68278 · WA

Large 5B-7B

Gesa at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Gesa is one of 101 credit unions in the 2026 VentureTech card set. We also found Gesa's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Gesa

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GESA
PEER · AT VENTURETECH
PEER · AT VENTURETECH
GESA'S BIGGEST OPPORTUNITY

39 CUs in 5B-7B nationally 3 in WA

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GESA has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.18% above tier average
+ Strong member growth: 5.3% YoY
+ Total Assets: Top 5.1% in tier
+ Total Loans: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.9% in tier
- Credit Risk Growth: Bottom 17.2% in tier
- Liquidity Strain: Bottom 22.7% in tier
- Indirect Auto Dependency: Bottom 48.4% in tier
- ROA 0.23% below tier average
- Efficiency ratio 1.90% above tier (higher cost structure)
- Delinquency rate 0.06% above tier average

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	322,863 +5.3% YoY+1.1% QoQ	+11.9K	310,918 +6.0% YoY	69,472 +6.3% YoY	34,678 +6.6% YoY	56%
Assets	$6.8B +5.7% YoY+1.5% QoQ	+$1.0B	$5.8B -1.1% YoY	$1.3B +8.7% YoY	$593.1M +10.2% YoY	Top 7.7% in tier
Loans	$5.4B +12.0% YoY+2.7% QoQ	+$1.2B	$4.2B -0.7% YoY	$968.5M +8.7% YoY	$418.6M +10.1% YoY	Top 7.7% in tier
Deposits	$5.7B +5.4% YoY+1.6% QoQ	+$787.2M	$4.9B -1.3% YoY	$1.1B +8.8% YoY	$504.8M +10.3% YoY	Top 12.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +8.9% YoY-18.9% QoQ	-0.2%	0.9% +35.3% YoY	0.7% +22.8% YoY	1.2% +121.4% YoY	26%
NIM	3.4% +8.5% YoY+0.3% QoQ	+0.2%	3.2% +9.5% YoY	3.8% +3.6% YoY	3.8% +2.3% YoY	54%
Efficiency Ratio	67.1% -4.3% YoY-2.1% QoQ	+1.9%	65.2% -9.0% YoY	77.5% +0.3% YoY	83.0% -5.3% YoY	54%
Delinquency Rate	0.8% +65.9% YoY+21.9% QoQ	+0.1	0.8% +23.8% YoY	0.9% -3.0% YoY	1.3% +2.6% YoY	62%
Loan To Share	95.2% +6.2% YoY+1.1% QoQ	+9.6%	85.6% -0.2% YoY	76.2% -1.2% YoY	66.4% -1.4% YoY	80%
AMR	$34,352 +3.1% YoY+1.0% QoQ	+$2K	$32,010 -7.3% YoY	$29,351 +3.2% YoY	$20,028 -0.9% YoY	69%
CD Concentration	29.1% +1.5% YoY-0.0% QoQ	+0.7%	28.3%	22.7%	20.0%	50%
Indirect Auto %	27.1% -6.0% YoY-0.4% QoQ	+10.3%	16.8%	16.0%	7.7%	76%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Risk Growth

risk

#5 of 28 • Bottom 17.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.96%

(Tier: 7.79%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk

#7 of 33 • Bottom 10.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | New qualifier

Liquidity Strain

risk

#9 of 28 • Bottom 22.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.19%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 11.96%

(Tier: 7.79%, National: 78.26%)

but better than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#15 of 35 • Bottom 48.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.69%

(Tier: 8.71%, National: 3.30%)

worse than tier avg

Indirect Auto %: 27.08%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 5.27%

(Tier: 4.24%, National: 15.67%)

but better than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 39 peers in tier

Top Strengths (8 metrics)

Total Assets

balance_sheet

Value: $6.82B

Peer Median: $5.68B

#3 of 39 Top 5.1% in 5B-7B tier

Total Loans

balance_sheet

Value: $5.41B

Peer Median: $4.31B

#3 of 39 Top 5.1% in 5B-7B tier

Loan Growth Rate

growth

Value: 11.96%

Peer Median: 4.22%

#5 of 39 Top 10.3% in 5B-7B tier

Total Deposits

balance_sheet

Value: $5.68B

Peer Median: $4.80B

#5 of 39 Top 10.3% in 5B-7B tier

Member Growth Rate

growth

Value: 5.27%

Peer Median: 2.78%

#8 of 39 Top 17.9% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.19%

Peer Median: 89.91%

#8 of 39 Top 17.9% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,753

Peer Median: $13,956

#9 of 39 Top 20.5% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 27.08%

Peer Median: 34.95%

#10 of 39 Top 23.1% in 5B-7B tier

Top Weaknesses (1 metrics)

Members Per Employee (MPE)

engagement

Value: 318.405

Peer Median: 423.198

#34 of 39 Bottom 15.4% in 5B-7B tier