BlastPoint's Credit Union Scorecard

GENERAL ELECTRIC

Charter #68574 · OH

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 1 in OH

View Mid-Market leaderboard →

GENERAL ELECTRIC has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 8.2% YoY
+ Total Members: Top 5.2% in tier
+ Members Per Employee (MPE): Top 6.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.3% in tier
- Credit Quality Pressure: Bottom 52.7% in tier
- Deposit Outflow: Bottom 93.8% in tier
- Indirect Auto Dependency: Bottom 95.7% in tier
- Shrinking Wallet Share: Bottom 97.8% in tier
- ROA 0.59% below tier average
- Efficiency ratio 0.41% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 1.3% in tier

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 77 credit unions with $3B-$5B in assets nationally, and 1 of 1 that size in Ohio.
Shares and deposits -1.8% year over year ($3.50B in shares and deposits).
Membership: 324,004 members, +8.2% vs a year ago.
Delinquency rate 0.70%.
Return on assets 0.35%.
Efficiency ratio 69.86% vs a 69.45% peer average.
Loan-to-share ratio 100.45% vs a 90.24% 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 (OH)	National Avg	Tier Percentile
Members	324,004 +8.2% YoY+2.1% QoQ	+107.5K	216,545 -9.5% YoY	18,978 +16.2% YoY	34,678 +6.6% YoY	Top 6.5% in tier
Assets	$4.2B -1.9% YoY-0.4% QoQ	+$311.0M	$3.9B -1.6% YoY	$292.1M +20.6% YoY	$593.1M +10.2% YoY	62%
Loans	$3.5B -0.3% YoY+2.7% QoQ	+$586.3M	$2.9B -1.2% YoY	$203.0M +21.8% YoY	$418.6M +10.1% YoY	82%
Deposits	$3.5B -1.8% YoY-0.3% QoQ	+$244.5M	$3.3B -2.6% YoY	$251.0M +21.0% YoY	$504.8M +10.3% YoY	62%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.3% +146.0% YoY-5.5% QoQ	-0.6%	0.9% +25.3% YoY	0.9% +55.0% YoY	1.2% +121.4% YoY	Bottom 10.4% in tier
NIM	2.3% +23.9% YoY+4.3% QoQ	-1.0%	3.2% +3.8% YoY	3.7% +2.2% YoY	3.8% +2.3% YoY	Bottom 5.2% in tier
Efficiency Ratio	69.9% -9.6% YoY-2.5% QoQ	+0.4%	69.5% -2.3% YoY	79.2% -2.1% YoY	83.0% -5.3% YoY	57%
Delinquency Rate	0.7% +4.4% YoY-0.5% QoQ	-0.1	0.8% +5.5% YoY	1.1% -6.2% YoY	1.3% +2.6% YoY	56%
Loan To Share	100.4% +1.5% YoY+3.0% QoQ	+10.2%	90.2% +0.9% YoY	60.7% -4.2% YoY	66.4% -1.4% YoY	79%
AMR	$21,664 -8.6% YoY-0.9% QoQ	$-9K	$31,018 +6.9% YoY	$18,171 +7.2% YoY	$20,028 -0.9% YoY	Bottom 9.1% in tier
CD Concentration	51.6% +3.4% YoY+0.8% QoQ	+22.5%	29.1%	19.2%	20.0%	Top 1.6% in tier
Indirect Auto %	42.3% +0.6% YoY-0.3% QoQ	+24.2%	18.1%	11.9%	7.7%	Bottom 8.3% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline

#9 of 69 • Bottom 97.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -8.55%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Deposit Outflow

decline

#4 of 23 • Bottom 93.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.78%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 8.21%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY

Liquidity Strain

risk

#93 of 168 • Bottom 13.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 100.45%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -0.30%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#146 of 193 • Bottom 95.7% in tier

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

Why This Signature

Asset Growth (YoY): -1.91%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 42.31%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 8.21%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#196 of 215 • Bottom 52.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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 77 peers in tier

Top Strengths (5 metrics)

Total Members

engagement

Value: 324,004

Peer Median: 211,695

#5 of 77 Top 5.2% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 662.585

Peer Median: 390.144

#6 of 77 Top 6.5% in 3B-5B tier

Member Growth Rate

growth

Value: 8.21%

Peer Median: 3.08%

#12 of 77 Top 14.3% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.52B

Peer Median: $2.91B

#14 of 77 Top 16.9% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 100.45%

Peer Median: 93.34%

#16 of 77 Top 19.5% in 3B-5B tier

Top Weaknesses (12 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 51.61%

Peer Median: 32.00%

#77 of 77 Bottom 1.3% in 3B-5B tier

Asset Growth Rate

growth

Value: -1.91%

Peer Median: 5.91%

#74 of 77 Bottom 5.2% in 3B-5B tier

Deposit Growth Rate

growth

Value: -1.78%

Peer Median: 5.62%

#74 of 77 Bottom 5.2% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.26%

Peer Median: 3.28%

#73 of 77 Bottom 6.5% in 3B-5B tier

Fee Income Per Member

profitability

Value: $86.89

Peer Median: $211.54

#72 of 77 Bottom 7.8% in 3B-5B tier

AMR Growth Rate

growth

Value: -8.55%

Peer Median: 3.17%

#72 of 77 Bottom 7.8% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 42.31%

Peer Median: 18.00%

#71 of 77 Bottom 9.1% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $21,664

Peer Median: $28,880

#70 of 77 Bottom 10.4% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.35%

Peer Median: 0.94%

#69 of 77 Bottom 11.7% in 3B-5B tier

Net Worth Ratio

risk

Value: 8.52%

Peer Median: 10.81%

#69 of 77 Bottom 11.7% in 3B-5B tier