BlastPoint's Credit Union Scorecard
GENESIS EMPLOYEES
Charter #68451 · OH
GENESIS EMPLOYEES has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.93% above tier average
- + Members Per Employee (MPE): Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 1.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,539
-0.8% YoY-0.9% QoQ
|
+923 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$21.1M
+4.2% YoY+0.1% QoQ
|
$-9.0M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$11.6M
-1.3% YoY+0.4% QoQ
|
$-4.1M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$18.0M
+3.6% YoY+0.3% QoQ
|
$-7.6M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
1.0%
-38.6% YoY-30.5% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.9%
+5.9% YoY+0.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
68.1%
+1.6% YoY-3.2% QoQ
|
-14.5% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.9%
-15.5% YoY-50.3% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
64.5%
-4.7% YoY+0.1% QoQ
|
+3.9% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$8,389
+2.4% YoY+1.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
15.6%
-15.0% YoY+10.0% QoQ
|
-8.8% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
50.1%
+2.3% YoY-1.5% QoQ
|
+36.3% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)