BlastPoint's Credit Union Scorecard
GESA
Charter #68278 · WA
GESA has 8 strengths but faces 5 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
- + Wallet Share Momentum: Top 17.2% in tier
- + Net Interest Margin 0.22% above tier average
- + Strong member growth: 8.7% YoY
- + Member Growth Rate: Top 2.7% in tier
- + Total Assets: Top 2.7% in tier
- + Loan Growth Rate: Top 5.4% in tier
- + Total Loans: Top 5.4% in tier
- + Asset Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.4% in tier
- - Credit Quality Pressure: Bottom 9.4% in tier
- - Indirect Auto Dependency: Bottom 9.4% in tier
- - Liquidity Strain: Bottom 21.2% in tier
- - Efficiency ratio 1.95% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
319,322
+8.7% YoY+1.2% QoQ
|
+11.5K |
307,793
+7.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$6.7B
+14.6% YoY+3.2% QoQ
|
+$952.2M |
$5.8B
-0.2% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Top 5.4% in tier |
| Loans |
$5.3B
+16.4% YoY+3.2% QoQ
|
+$1.1B |
$4.2B
+0.4% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Top 8.1% in tier |
| Deposits |
$5.6B
+16.3% YoY+3.5% QoQ
|
+$694.5M |
$4.9B
+0.2% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
0.9%
+31.5% YoY+37.5% QoQ
|
+0.0% |
0.9%
+47.0% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
3.4%
+5.1% YoY+4.5% QoQ
|
+0.2% |
3.2%
+9.8% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
68.5%
-2.0% YoY-6.1% QoQ
|
+2.0% |
66.6%
-11.0% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
0.7%
+64.6% YoY+2.9% QoQ
|
+0.0 |
0.7%
+23.3% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
94.2%
+0.1% YoY-0.3% QoQ
|
+9.5% |
84.7%
-0.7% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$33,996
+7.0% YoY+2.1% QoQ
|
+$2K |
$32,237
-7.3% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
29.1%
+0.4% YoY+3.8% QoQ
|
+0.4% | 28.6% | 22.5% | 19.8% | 52% |
| Indirect Auto % |
27.2%
-11.7% YoY-2.5% QoQ
|
+10.8% | 16.4% | 16.1% | 7.7% | 79% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
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)