BlastPoint's Credit Union Scorecard
GESA
Charter #68278 · WA
GESA has 8 strengths but faces 6 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 41.5% in tier
- + Wallet Share Momentum: Top 47.4% in tier
- + Emerging Performer: Top 52.6% in tier
- + Net Interest Margin 0.19% above tier average
- + Strong member growth: 8.1% YoY
- + Member Growth Rate: Top 2.9% in tier
- + Deposit Growth Rate: Top 8.6% in tier
- + Total Assets: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 20.0% in tier
- - Liquidity Strain: Bottom 21.9% in tier
- - Indirect Auto Dependency: Bottom 23.5% in tier
- - Credit Quality Pressure: Bottom 38.9% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 5.69% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
315,416
+8.1% YoY+0.8% QoQ
|
+23.1K |
292,342
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$6.5B
+15.8% YoY+1.7% QoQ
|
+$771.2M |
$5.7B
-0.2% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 11.4% in tier |
| Loans |
$5.1B
+12.5% YoY+4.4% QoQ
|
+$938.0M |
$4.2B
-1.6% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$5.4B
+17.8% YoY+1.7% QoQ
|
+$556.0M |
$4.8B
+0.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.6%
+1.2% YoY-13.9% QoQ
|
-0.2% |
0.8%
+27.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.2%
+6.2% YoY+2.9% QoQ
|
+0.2% |
3.0%
+8.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
73.0%
+1.4% YoY+4.0% QoQ
|
+5.7% |
67.3%
-3.7% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.7%
+17.8% YoY+15.3% QoQ
|
-0.1 |
0.8%
+17.5% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
94.4%
-4.5% YoY+2.7% QoQ
|
+8.5% |
85.9%
-2.6% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$33,310
+6.5% YoY+2.2% QoQ
|
$-979 |
$34,289
+3.5% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
28.0%
+5.0% YoY+3.3% QoQ
|
-1.2% | 29.1% | 22.5% | 19.8% | 43% |
| Indirect Auto % |
27.9%
-11.2% YoY-1.6% QoQ
|
+10.8% | 17.1% | 16.8% | 7.8% | 79% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)