BlastPoint's Credit Union Scorecard

GREAT ERIE

Charter #7925 · NY

1077 CUs in 100M-500M nationally 52 in NY

GREAT ERIE shows strong momentum with 11 strengths and 7.1% YoY member growth

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 1.3% in tier
+ Organic Growth Leader: Top 3.6% in tier
+ Emerging Performer: Top 7.9% in tier
+ Credit Quality Leader: Top 26.8% in tier
+ Profitability Leader: Top 49.6% in tier
+ ROA 0.67% above tier average
+ Strong member growth: 7.1% YoY
+ Net Charge-Off Rate: Top 2.0% in tier
+ Member Growth Rate: Top 5.6% in tier
+ Total Delinquency Rate (60+ days): Top 7.5% in tier
+ Asset Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	9,496 +7.1% YoY-7.1% QoQ	-6.1K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	26%
Assets	$147.7M +10.4% YoY+0.0% QoQ	$-83.6M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	30%
Loans	$96.4M +3.0% YoY+2.6% QoQ	$-51.4M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	32%
Deposits	$129.9M +10.2% YoY-0.5% QoQ	$-70.4M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	30%

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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	1.5% +53.7% YoY+41.5% QoQ	+0.7%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Top 13.5% in tier
NIM	3.4% +14.0% YoY+1.7% QoQ	-0.2%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	39%
Efficiency Ratio	66.9% -5.1% YoY-10.1% QoQ	-10.4%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	18%
Delinquency Rate	0.1% -35.8% YoY-63.1% QoQ	-0.7	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Bottom 7.5% in tier
Loan To Share	74.2% -6.5% YoY+3.1% QoQ	+1.5%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	50%
AMR	$23,830 -0.1% YoY+8.4% QoQ	$-533	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	59%
CD Concentration	22.2% +12.6% YoY+20.8% QoQ	-2.2%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	6.4% -20.3% YoY-5.0% QoQ	-7.6%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#25 of 603 • Top 1.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.08%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.46%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 6.37%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#48 of 430 • Top 3.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.08%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 6.37%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Emerging Performer

growth

#16 of 191 • Top 7.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.46%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 7.08%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Credit Quality Leader

growth

#92 of 340 • Top 26.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.14%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.08% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Profitability Leader

growth

#169 of 340 • Top 49.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.46%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.51% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (0)

No concerns identified

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 1077 peers in tier

Top Strengths (7 metrics)

Net Charge-Off Rate

risk

Value: 0.00%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Member Growth Rate

growth

Value: 7.08%

Peer Avg: -

#61 of 1077 Top 5.6% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Avg: -

#82 of 1077 Top 7.5% in 100M-500M tier

107

Asset Growth Rate

growth

Value: 10.45%

Peer Avg: -

#107 of 1077 Top 9.8% in 100M-500M tier

121

Deposit Growth Rate

growth

Value: 10.16%

Peer Avg: -

#121 of 1077 Top 11.1% in 100M-500M tier

145

Return on Assets (ROA)

profitability

Value: 1.46%

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

195

Efficiency Ratio

profitability

Value: 66.85%

Peer Avg: -

#195 of 1077 Top 18.0% in 100M-500M tier

Top Weaknesses (1 metrics)

851

AMR Growth Rate

growth

Value: -0.10%

Peer Avg: -

#851 of 1077 Bottom 21.1% in 100M-500M tier