BlastPoint's Credit Union Scorecard

GENERAL ELECTRIC

Charter #68574 · OH

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 1 in OH
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GENERAL ELECTRIC has 4 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: 8.1% YoY
  • + Total Members: Top 7.7% in tier
  • + Members Per Employee (MPE): Top 7.7% in tier
  • + Member Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 17.0% in tier
  • - Credit Quality Pressure: Bottom 37.4% in tier
  • - Deposit Outflow: Bottom 95.0% in tier
  • - Indirect Auto Dependency: Bottom 96.1% in tier
  • - Shrinking Wallet Share: Bottom 98.7% in tier
  • - ROA 0.36% below tier average
  • - Efficiency ratio 0.39% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 317,371
+8.1% YoY+1.6% QoQ
 +96.9K 220,435
-7.6% YoY
 16,936
+6.2% YoY
 33,913
+5.7% YoY
 Top 9.0% in tier
Assets $4.2B
-2.9% YoY-0.1% QoQ
 +$313.4M $3.9B
-1.5% YoY
 $257.9M
+8.7% YoY
 $578.3M
+9.0% YoY
 63%
Loans $3.4B
-3.2% YoY+1.0% QoQ
 +$533.5M $2.9B
-1.1% YoY
 $174.2M
+8.4% YoY
 $402.4M
+8.7% YoY
 77%
Deposits $3.5B
-2.9% YoY-0.3% QoQ
 +$215.3M $3.3B
-2.5% YoY
 $221.5M
+9.0% YoY
 $494.3M
+9.1% YoY
 62%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
+450.6% YoY+41.5% QoQ
 -0.4% 0.7%
+10.6% YoY
 0.6%
+16.1% YoY
 0.4%
-39.2% YoY
 22%
NIM 2.2%
+24.7% YoY+10.6% QoQ
 -1.0% 3.2%
+4.6% YoY
 3.7%
+1.7% YoY
 3.8%
+4.1% YoY
 Bottom 5.1% in tier
Efficiency Ratio 71.7%
-8.2% YoY-3.1% QoQ
 +0.4% 71.3%
-2.6% YoY
 82.0%
-2.0% YoY
 84.6%
+2.8% YoY
 56%
Delinquency Rate 0.7%
+12.8% YoY-14.9% QoQ
 +0.0 0.7%
+9.2% YoY
 1.4%
+35.7% YoY
 1.2%
+3.4% YoY
 60%
Loan To Share 97.5%
-0.4% YoY+1.3% QoQ
 +9.5% 88.0%
+0.9% YoY
 61.3%
-2.1% YoY
 65.6%
-1.4% YoY
 74%
AMR $21,867
-10.3% YoY-1.2% QoQ
 $-9K $30,672
+5.5% YoY
 $17,686
+5.3% YoY
 $19,920
+1.6% YoY
 Bottom 11.5% in tier
CD Concentration 51.2%
+4.8% YoY+0.7% QoQ
 +22.4% 28.8% 19.4% 19.8% Top 1.6% in tier
Indirect Auto % 42.4%
+2.6% YoY+0.6% QoQ
 +24.4% 18.1% 11.4% 7.7% Bottom 7.8% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline
#6 of 82 • Bottom 98.7% in tier

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

Why This Signature
AMR Growth (YoY): -10.31%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY

Deposit Outflow

decline
#5 of 23 • Bottom 95.0% 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): -2.88%
(Tier: 6.69%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 8.08%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
23 of 384 Mid-Market CUs have this signature | 98 nationally
→ No prior data (23 CUs now) | New qualifier

Credit Quality Pressure

risk
#142 of 225 • Bottom 37.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Liquidity Strain

risk
#102 of 148 • Bottom 17.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.53%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): -3.24%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#159 of 198 • Bottom 96.1% in tier

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

Why This Signature
Asset Growth (YoY): -2.93%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 42.45%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 8.08%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 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 78 peers in tier

Top Strengths (5 metrics)

7
Total Members
engagement
Value: 317,371
Peer Median: 212,824
#7 of 78 Top 7.7% in 3B-5B tier
7
Members Per Employee (MPE)
engagement
Value: 641.154
Peer Median: 393.414
#7 of 78 Top 7.7% in 3B-5B tier
8
Member Growth Rate
growth
Value: 8.08%
Peer Median: 3.36%
#8 of 78 Top 9.0% in 3B-5B tier
18
Total Loans
balance_sheet
Value: $3.43B
Peer Median: $2.92B
#18 of 78 Top 21.8% in 3B-5B tier
20
Loan-to-Share Ratio
balance_sheet
Value: 97.53%
Peer Median: 90.65%
#20 of 78 Top 24.4% in 3B-5B tier

Top Weaknesses (12 metrics)

78
Share Certificate Concentration (%)
balance_sheet
Value: 51.21%
Peer Median: 31.76%
#78 of 78 Bottom 1.3% in 3B-5B tier
75
Asset Growth Rate
growth
Value: -2.93%
Peer Median: 5.44%
#75 of 78 Bottom 5.1% in 3B-5B tier
74
Net Interest Margin (NIM)
profitability
Value: 2.17%
Peer Median: 3.23%
#74 of 78 Bottom 6.4% in 3B-5B tier
74
AMR Growth Rate
growth
Value: -10.31%
Peer Median: 2.86%
#74 of 78 Bottom 6.4% in 3B-5B tier
73
Deposit Growth Rate
growth
Value: -2.88%
Peer Median: 5.31%
#73 of 78 Bottom 7.7% in 3B-5B tier
72
Loan Growth Rate
growth
Value: -3.24%
Peer Median: 5.73%
#72 of 78 Bottom 9.0% in 3B-5B tier
72
Indirect Auto Concentration (%)
balance_sheet
Value: 42.45%
Peer Median: 18.10%
#72 of 78 Bottom 9.0% in 3B-5B tier
71
Net Worth Ratio
risk
Value: 8.41%
Peer Median: 10.59%
#71 of 78 Bottom 10.3% in 3B-5B tier
69
Average Member Relationship (AMR)
engagement
Value: $21,867
Peer Median: $28,813
#69 of 78 Bottom 12.8% in 3B-5B tier
68
Fee Income Per Member
profitability
Value: $89.02
Peer Median: $175.66
#68 of 78 Bottom 14.1% in 3B-5B tier
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