BlastPoint's Credit Union Scorecard
GUERNSEY COMMUNITY
Charter #9501 · WY
GUERNSEY COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.98% above tier average
- + Loan-to-Share Ratio: Top 2.2% in tier
- + AMR Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Delinquency rate 18.26% above tier average
- - Member decline: -7.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Members Per Employee (MPE): Bottom 4.8% in tier
- - Total Members: Bottom 6.2% in tier
- - Share Certificate Concentration (%): Bottom 6.2% in tier
- - Total Assets: Bottom 8.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 7 that size in Wyoming.
- Shares and deposits -0.3% year over year ($1.4M in shares and deposits).
- Membership: 246 members, -7.2% vs a year ago.
- Delinquency rate 19.81%.
- Return on assets 1.33%.
- Efficiency ratio 80.46% vs a 88.77% peer average.
- Loan-to-share ratio 104.06% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
-7.2% YoY-1.6% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
Bottom 6.1% in tier |
| Assets |
$1.8M
+1.6% YoY+0.3% QoQ
|
$-28.5M |
$30.3M
+1.5% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.5% in tier |
| Loans |
$1.5M
+5.7% YoY+2.2% QoQ
|
$-14.0M |
$15.5M
-1.7% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.4% in tier |
| Deposits |
$1.4M
-0.3% YoY+0.1% QoQ
|
$-24.4M |
$25.8M
+1.1% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.7% in tier |
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| ROA |
1.3%
-18.8% YoY-22.2% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
5.9%
-11.2% YoY-9.6% QoQ
|
+2.0% |
3.9%
+0.9% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
80.5%
+3.2% YoY+5.6% QoQ
|
-8.3% |
88.8%
-6.9% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
19.8%
+28.0% YoY+46.0% QoQ
|
+18.3 |
1.5%
+2.1% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.0% in tier |
| Loan To Share |
104.1%
+6.0% YoY+2.1% QoQ
|
+45.2% |
58.9%
-3.1% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
Top 2.3% in tier |
| AMR |
$11,900
+10.6% YoY+2.8% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
42.8%
-1.1% YoY+0.6% QoQ
|
+18.3% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 19.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)