BlastPoint's Credit Union Scorecard

GREAT ERIE

Charter #7925 · NY

1069 CUs in 100M-500M nationally 54 in NY

GREAT ERIE has 7 strengths but faces 1 concern

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 12.0% in tier
  • + Organic Growth Leader: Top 12.7% in tier
  • + Emerging Performer: Top 25.4% in tier
  • + ROA 0.28% above tier average
  • + Strong member growth: 6.7% YoY
  • + Net Charge-Off Rate: Top 3.8% in tier
  • + Member Growth Rate: Top 5.8% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 97.8% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 9,446
+6.7% YoY-0.5% QoQ
 -6.0K 15,437
-2.9% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 27%
Assets $149.9M
+10.0% YoY+1.5% QoQ
 $-82.0M $231.9M
+1.3% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 31%
Loans $94.6M
+3.2% YoY-1.8% QoQ
 $-52.7M $147.3M
-0.1% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 32%
Deposits $132.0M
+10.4% YoY+1.6% QoQ
 $-68.8M $200.8M
+0.8% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 32%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.0%
+0.3% YoY-28.5% QoQ
 +0.3% 0.8%
+18.2% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 70%
NIM 3.4%
+10.6% YoY+0.3% QoQ
 -0.2% 3.6%
+6.7% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 38%
Efficiency Ratio 74.6%
+7.3% YoY+11.6% QoQ
 -2.4% 77.0%
-3.1% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 39%
Delinquency Rate 0.3%
-31.9% YoY+85.7% QoQ
 -0.6 0.9%
+4.2% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 Bottom 13.5% in tier
Loan To Share 71.7%
-6.5% YoY-3.4% QoQ
 -0.6% 72.2%
-1.1% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 45%
AMR $23,994
+0.5% YoY+0.7% QoQ
 $-682 $24,676
+3.4% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 58%
CD Concentration 21.8%
+10.3% YoY-2.0% QoQ
 -2.6% 24.4% 16.3% 19.8% 50%
Indirect Auto % 6.0%
-22.8% YoY-5.5% QoQ
 -7.8% 13.8% 2.6% 7.8% 50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#72 of 595 • Top 12.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.70%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.04%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 6.02%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#55 of 426 • Top 12.7% in tier

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

Why This Signature
Member Growth (YoY): 6.70%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 6.02%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth
#47 of 182 • Top 25.4% 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: 1.04%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Member Growth (YoY): 6.70%
(Tier: 0.69%, National: 4.32%)
better than tier avg
182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally
→ No prior data (182 CUs now) | New qualifier

Concerns (1)

Cost Spiral

risk
#45 of 46 • Bottom 97.8% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 5.06% points
(Tier: -2.44% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 57.00%
(Tier: 60.04%, National: 63.66%)
but better than tier avg
46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally
↓ Shrinking -30 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (5 metrics)

42
Net Charge-Off Rate
risk
Value: 0.03%
Peer Median: -
#42 of 1069 Top 3.8% in 100M-500M tier
63
Member Growth Rate
growth
Value: 6.70%
Peer Median: -
#63 of 1069 Top 5.8% in 100M-500M tier
120
Deposit Growth Rate
growth
Value: 10.36%
Peer Median: -
#120 of 1069 Top 11.1% in 100M-500M tier
142
Asset Growth Rate
growth
Value: 10.00%
Peer Median: -
#142 of 1069 Top 13.2% in 100M-500M tier
145
Total Delinquency Rate (60+ days)
risk
Value: 0.27%
Peer Median: -
#145 of 1069 Top 13.5% in 100M-500M tier

Top Weaknesses (1 metrics)

834
AMR Growth Rate
growth
Value: 0.52%
Peer Median: -
#834 of 1069 Bottom 22.1% in 100M-500M tier
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