BlastPoint's Credit Union Scorecard

GENCO

Charter #8585 · TX

100M-500M

1069 CUs in 100M-500M nationally 79 in TX

GENCO has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.79% above tier average
+ Total Assets: Top 1.9% in tier
+ Total Members: Top 2.0% in tier
+ Total Deposits: Top 2.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	38,527 -1.7% YoY-0.2% QoQ	+23.1K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Top 2.1% in tier
Assets	$480.5M +6.5% YoY+1.0% QoQ	+$248.6M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Top 2.0% in tier
Loans	$233.1M +3.6% YoY+4.7% QoQ	+$85.8M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	83%
Deposits	$412.0M +5.6% YoY+0.8% QoQ	+$211.2M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Top 2.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +21.2% YoY-0.9% QoQ	+0.8%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Top 9.7% in tier
NIM	3.4% +8.2% YoY+0.3% QoQ	-0.2%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	63.0% -7.1% YoY-0.1% QoQ	-14.0%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Top 10.9% in tier
Delinquency Rate	0.4% +41.2% YoY+68.1% QoQ	-0.5	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	22%
Loan To Share	56.6% -1.9% YoY+3.9% QoQ	-15.7%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	18%
AMR	$16,745 +6.7% YoY+2.4% QoQ	$-8K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	16%
CD Concentration	24.6% +5.6% YoY+1.7% QoQ	+0.2%	24.4%	21.2%	19.8%	50%
Indirect Auto %	23.5% -13.3% YoY-4.0% QoQ	+9.7%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#352 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.68%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#205 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.50%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 23.51%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#387 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#497 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#371 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.59%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Stagnation Risk

risk

#478 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.59%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (11 metrics)

Total Assets

balance_sheet

Value: $480.46M

Peer Median: -

#21 of 1069 Top 1.9% in 100M-500M tier

Total Members

engagement

Value: 38,527

Peer Median: -

#22 of 1069 Top 2.0% in 100M-500M tier

Total Deposits

balance_sheet

Value: $412.04M

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

104

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Median: -

#104 of 1069 Top 9.6% in 100M-500M tier

118

Efficiency Ratio

profitability

Value: 62.99%

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

157

First Mortgage Concentration (%)

balance_sheet

Value: 11.83%

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

184

Total Loans

balance_sheet

Value: $233.10M

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

231

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Median: -

#231 of 1069 Top 21.5% in 100M-500M tier

241

Fee Income Per Member

profitability

Value: $222.61

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

262

Members Per Employee (MPE)

engagement

Value: 377.716

Peer Median: -

#262 of 1069 Top 24.4% in 100M-500M tier

Top Weaknesses (4 metrics)

925

Loan-to-Member Ratio (LMR)

engagement

Value: $6,050

Peer Median: -

#925 of 1069 Bottom 13.6% in 100M-500M tier

901

Average Member Relationship (AMR)

engagement

Value: $16,745

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

881

Loan-to-Share Ratio

balance_sheet

Value: 56.57%

Peer Median: -

#881 of 1069 Bottom 17.7% in 100M-500M tier

828

Indirect Auto Concentration (%)

balance_sheet

Value: 23.51%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier