BlastPoint's Credit Union Scorecard
GUERNSEY COMMUNITY
Charter #9501 · WY
2596 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 1.21% above tier average
- + Net Interest Margin 2.40% 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 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 22.37% above tier average
- - Member decline: -7.9% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Members Per Employee (MPE): Bottom 5.5% in tier
- - Share Certificate Concentration (%): Bottom 5.6% in tier
- - Total Members: Bottom 7.1% in tier
- - Member Growth Rate: Bottom 8.8% in tier
- - Total Assets: Bottom 9.1% in tier
- - Total Deposits: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
268
-7.9% YoY+1.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
Bottom 7.0% in tier |
| Assets |
$1.8M
+1.6% YoY+1.4% QoQ
|
$-28.0M |
$29.9M
+1.1% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.1% in tier |
| Loans |
$1.5M
-1.7% YoY+6.9% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.9% in tier |
| Deposits |
$1.5M
-0.3% YoY+0.9% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.2% in tier |
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| ROA |
1.9%
-10.1% YoY+16.0% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
Top 10.8% in tier |
| NIM |
6.3%
-4.7% YoY-4.3% QoQ
|
+2.4% |
3.9%
+3.8% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
74.4%
+3.9% YoY-4.6% QoQ
|
-7.0% |
81.4%
-2.4% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
23.9%
+108.6% YoY+54.3% QoQ
|
+22.4 |
1.5%
-2.0% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
Top 1.0% in tier |
| Loan To Share |
104.0%
-1.4% YoY+6.0% QoQ
|
+42.8% |
61.2%
-3.0% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 2.7% in tier |
| AMR |
$11,056
+7.5% YoY+2.7% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
43.2%
+3.5% YoY-0.2% QoQ
|
+18.8% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
66
Loan-to-Share Ratio
balance_sheet
Value:
104.01%
Peer Avg: -
#66 of 2596
Top 2.5% in <100M tier
74
Net Interest Margin (NIM)
profitability
Value:
6.33%
Peer Avg: -
#74 of 2596
Top 2.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
281
Return on Assets (ROA)
profitability
Value:
1.90%
Peer Avg: -
#281 of 2596
Top 10.8% in <100M tier
403
AMR Growth Rate
growth
Value:
7.49%
Peer Avg: -
#403 of 2596
Top 15.5% in <100M tier
571
Net Worth Ratio
risk
Value:
20.09%
Peer Avg: -
#571 of 2596
Top 22.0% in <100M tier
Top Weaknesses (9 metrics)
2570
Total Delinquency Rate (60+ days)
risk
Value:
23.88%
Peer Avg: -
#2570 of 2596
Bottom 1.0% in <100M tier
2453
Members Per Employee (MPE)
engagement
Value:
89.333
Peer Avg: -
#2453 of 2596
Bottom 5.5% in <100M tier
2452
Share Certificate Concentration (%)
balance_sheet
Value:
43.20%
Peer Avg: -
#2452 of 2596
Bottom 5.6% in <100M tier
2413
Total Members
engagement
Value:
268
Peer Avg: -
#2413 of 2596
Bottom 7.1% in <100M tier
2369
Member Growth Rate
growth
Value:
-7.90%
Peer Avg: -
#2369 of 2596
Bottom 8.8% in <100M tier
2361
Total Assets
balance_sheet
Value:
$1.82M
Peer Avg: -
#2361 of 2596
Bottom 9.1% in <100M tier
2356
Total Deposits
balance_sheet
Value:
$1.45M
Peer Avg: -
#2356 of 2596
Bottom 9.3% in <100M tier
2210
Total Loans
balance_sheet
Value:
$1.51M
Peer Avg: -
#2210 of 2596
Bottom 14.9% in <100M tier
1977
First Mortgage Concentration (%)
balance_sheet
Value:
26.75%
Peer Avg: -
#1977 of 2596
Bottom 23.9% in <100M tier