BlastPoint's Credit Union Scorecard
GESA
Charter #68278 · WA
GESA has 4 strengths but faces 7 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
- + 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Washington.
- Shares and deposits +5.4% year over year ($5.68B in shares and deposits).
- Membership: 322,863 members, +5.3% vs a year ago.
- Delinquency rate 0.84%.
- Return on assets 0.70%.
- Efficiency ratio 67.08% vs a 65.18% peer average.
- Loan-to-share ratio 95.19% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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)
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.
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.
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)