BlastPoint's Credit Union Scorecard
GENERAL ELECTRIC
Charter #68574 · OH
GENERAL ELECTRIC has 4 strengths but faces 13 concerns
How does the industry compare?
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 75.6% in tier
- + Strong member growth: 7.1% YoY
- + Total Members: Top 9.2% in tier
- + Members Per Employee (MPE): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 0.0% in tier
- - Shrinking Wallet Share: Bottom 2.6% in tier
- - Indirect Auto Dependency: Bottom 80.0% in tier
- - Liquidity Strain: Bottom 80.6% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 2.55% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.3% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 6.6% in tier
- - Fee Income Per Member: Bottom 9.2% in tier
- - Deposit Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
312,507
+7.1% YoY+1.9% QoQ
|
+82.2K |
230,353
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 10.5% in tier |
| Assets |
$4.2B
-4.5% YoY-0.5% QoQ
|
+$292.1M |
$3.9B
+0.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$3.4B
-6.9% YoY-2.0% QoQ
|
+$459.1M |
$2.9B
-0.2% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$3.5B
-4.3% YoY+1.3% QoQ
|
+$213.2M |
$3.3B
-0.3% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.3%
-160.2% YoY+20.8% QoQ
|
-0.5% |
0.7%
+16.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.8% in tier |
| NIM |
2.0%
+32.3% YoY+2.8% QoQ
|
-1.2% |
3.1%
+9.8% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
74.0%
-13.6% YoY-1.7% QoQ
|
+2.6% |
71.4%
-1.4% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.8%
-5.2% YoY+5.9% QoQ
|
-0.0 |
0.9%
+5.8% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
96.3%
-2.7% YoY-3.2% QoQ
|
+7.4% |
88.9%
-0.2% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$22,138
-11.9% YoY-2.2% QoQ
|
$-8K |
$29,682
+1.5% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.5% in tier |
| CD Concentration |
50.8%
+9.9% YoY+0.9% QoQ
|
+21.8% | 29.0% | 19.4% | 19.8% | Top 1.9% in tier |
| Indirect Auto % |
42.2%
+0.8% YoY+1.3% QoQ
|
+23.9% | 18.3% | 11.2% | 7.8% | Top 8.8% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)