GENERAL ELECTRIC

Charter #68574 | OH

3B-5B (76 CUs) Mid-Market (380 CUs)
1 3B-5B in OH

GENERAL ELECTRIC has 3 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 27.8% in tier
  • + Strong member growth: 5.8% YoY
  • + 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 0.7% in tier
  • - Liquidity Strain: Bottom 23.3% in tier
  • - Credit Quality Pressure: Bottom 26.4% in tier
  • - Indirect Auto Dependency: Bottom 26.8% in tier
  • - ROA 0.53% below tier average
  • - Efficiency ratio 4.00% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 1.3% in tier
  • - AMR Growth Rate: Bottom 2.6% in tier
  • - Net Interest Margin (NIM): Bottom 3.9% in tier
  • - Asset Growth Rate: Bottom 3.9% in tier
  • - Deposit Growth Rate: Bottom 3.9% in tier
  • - Loan Growth Rate: Bottom 5.3% in tier
  • - Net Worth Ratio: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 306,711
+5.8% YoY+2.4% QoQ
 +68.2K 238,465
+0.6% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Top 13.2% in tier
Assets $4.3B
-7.9% YoY-1.0% QoQ
 +$281.6M $4.0B
-0.1% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $3.5B
-7.7% YoY-1.8% QoQ
 +$444.5M $3.0B
+3.3% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Top 22.4% in tier
Deposits $3.5B
-7.4% YoY-2.4% QoQ
 +$146.5M $3.3B
+1.1% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 59th in tier
ROA 0.2%
-150.0% YoY+52.3% QoQ
 -0.5% 0.7%
+5.3% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 10.5% in tier
NIM 1.9%
+36.3% YoY+4.4% QoQ
 -1.3% 3.2%
+13.7% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Bottom 2.6% in tier
Efficiency Ratio 75.3%
-15.1% YoY-2.6% QoQ
 +4.0% 71.3%
-0.6% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 67th in tier
Delinquency Rate 0.8%
+1.3% YoY+16.5% QoQ
 -0.1 0.8%
+15.9% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 66th in tier
Loan To Share 99.5%
-0.3% YoY+0.6% QoQ
 +8.7% 90.8%
+2.0% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $22,637
-12.6% YoY-4.4% QoQ
 $-6K $29,088
+0.1% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Bottom 15.8% in tier
CD Concentration 50.4%
+9.2% YoY+1.0% QoQ
 +21.4% 29.0%
+0.8% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Top 1.8% in tier
Indirect Auto % 41.7%
-2.8% YoY-0.9% QoQ
 +22.9% 18.8%
-2.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Top 9.8% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#202 of 246 • Top 27.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.82%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.21%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 41.65%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (5)

Deposit Outflow

decline
#1 of 25 • Bottom 0.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -7.43%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $4.25B
(Tier: $3.97B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY

Shrinking Wallet Share

decline
#3 of 83 • Bottom 0.7% in tier

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

Why This Signature
AMR Growth (YoY): -12.65%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY

Liquidity Strain

risk
#123 of 183 • Bottom 23.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.54%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -7.69%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#203 of 217 • Bottom 26.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#166 of 202 • Bottom 26.8% in tier

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

Why This Signature
Asset Growth (YoY): -7.92%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 41.65%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.82%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 76 peers in tier

Top Strengths (3 metrics)

8
Members Per Employee (MPE)
engagement
Value: 614.651
Peer Avg: 433.941
#8 of 76 Top 9.2% in 3B-5B tier
10
Total Members
engagement
Value: 306,711
Peer Avg: 238,466
#10 of 76 Top 11.8% in 3B-5B tier
17
Total Loans
balance_sheet
Value: $3.46B
Peer Avg: $3.02B
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (11 metrics)

76
Share Certificate Concentration (%)
balance_sheet
Value: 50.40%
Peer Avg: 30.70%
#76 of 76 Bottom 1.3% in 3B-5B tier
75
AMR Growth Rate
growth
Value: -12.65%
Peer Avg: 2.07%
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Net Interest Margin (NIM)
profitability
Value: 1.90%
Peer Avg: 3.20%
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Asset Growth Rate
growth
Value: -7.92%
Peer Avg: 7.42%
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Deposit Growth Rate
growth
Value: -7.43%
Peer Avg: 8.84%
#74 of 76 Bottom 3.9% in 3B-5B tier
73
Loan Growth Rate
growth
Value: -7.69%
Peer Avg: 9.56%
#73 of 76 Bottom 5.3% in 3B-5B tier
71
Net Worth Ratio
risk
Value: 8.25%
Peer Avg: 10.75%
#71 of 76 Bottom 7.9% in 3B-5B tier
69
Fee Income Per Member
profitability
Value: $88.09
Peer Avg: $191.96
#69 of 76 Bottom 10.5% in 3B-5B tier
68
Return on Assets (ROA)
profitability
Value: 0.21%
Peer Avg: 0.75%
#68 of 76 Bottom 11.8% in 3B-5B tier
66
Indirect Auto Concentration (%)
balance_sheet
Value: 41.65%
Peer Avg: 20.57%
#66 of 76 Bottom 14.5% in 3B-5B tier