BlastPoint's Credit Union Scorecard
GUERNSEY COMMUNITY
Charter #9501 · WY
2556 CUs in <100M nationally
8 in WY
GUERNSEY COMMUNITY has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.36% above tier average
- + Net Interest Margin 2.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 12.65% above tier average
- - Member decline: -9.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Members Per Employee (MPE): Bottom 5.4% in tier
- - Share Certificate Concentration (%): Bottom 5.9% in tier
- - Member Growth Rate: Bottom 6.5% in tier
- - Total Members: Bottom 6.6% in tier
- - Total Assets: Bottom 8.9% in tier
- - Total Deposits: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
260
-9.1% YoY-3.0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
Bottom 6.5% in tier |
| Assets |
$1.8M
+2.0% YoY+0.6% QoQ
|
$-28.3M |
$30.1M
+2.1% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.9% in tier |
| Loans |
$1.5M
-3.3% YoY+1.3% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.8% in tier |
| Deposits |
$1.5M
-0.0% YoY+0.2% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.9% in tier |
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| ROA |
2.0%
-0.5% YoY+4.7% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
Top 7.1% in tier |
| NIM |
6.5%
-1.7% YoY+2.7% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
73.6%
+0.9% YoY-1.0% QoQ
|
-8.9% |
82.6%
-2.3% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
14.2%
-17.5% YoY-40.5% QoQ
|
+12.6 |
1.6%
-3.1% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
Top 1.6% in tier |
| Loan To Share |
105.1%
-3.3% YoY+1.1% QoQ
|
+44.5% |
60.6%
-3.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 2.6% in tier |
| AMR |
$11,480
+8.1% YoY+3.8% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
43.1%
+1.7% YoY-0.3% QoQ
|
+18.6% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 19.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
56
Net Interest Margin (NIM)
profitability
Value:
6.50%
Peer Median: -
#56 of 2556
Top 2.2% in <100M tier
64
Loan-to-Share Ratio
balance_sheet
Value:
105.12%
Peer Median: -
#64 of 2556
Top 2.5% in <100M tier
182
Return on Assets (ROA)
profitability
Value:
1.99%
Peer Median: -
#182 of 2556
Top 7.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
359
AMR Growth Rate
growth
Value:
8.12%
Peer Median: -
#359 of 2556
Top 14.0% in <100M tier
534
Net Worth Ratio
risk
Value:
20.55%
Peer Median: -
#534 of 2556
Top 20.9% in <100M tier
Top Weaknesses (9 metrics)
2517
Total Delinquency Rate (60+ days)
risk
Value:
14.20%
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2420
Members Per Employee (MPE)
engagement
Value:
86.667
Peer Median: -
#2420 of 2556
Bottom 5.4% in <100M tier
2406
Share Certificate Concentration (%)
balance_sheet
Value:
43.06%
Peer Median: -
#2406 of 2556
Bottom 5.9% in <100M tier
2392
Member Growth Rate
growth
Value:
-9.09%
Peer Median: -
#2392 of 2556
Bottom 6.5% in <100M tier
2388
Total Members
engagement
Value:
260
Peer Median: -
#2388 of 2556
Bottom 6.6% in <100M tier
2329
Total Assets
balance_sheet
Value:
$1.83M
Peer Median: -
#2329 of 2556
Bottom 8.9% in <100M tier
2328
Total Deposits
balance_sheet
Value:
$1.46M
Peer Median: -
#2328 of 2556
Bottom 9.0% in <100M tier
2177
Total Loans
balance_sheet
Value:
$1.53M
Peer Median: -
#2177 of 2556
Bottom 14.9% in <100M tier
1922
First Mortgage Concentration (%)
balance_sheet
Value:
26.10%
Peer Median: -
#1922 of 2556
Bottom 24.8% in <100M tier