BlastPoint's Credit Union Scorecard
GUERNSEY COMMUNITY
Charter #9501 · WY
<100M
2508 CUs in <100M nationally
7 in WY
GUERNSEY COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.56% above tier average
- + Net Interest Margin 2.49% above tier average
- + Loan-to-Share Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 12.06% above tier average
- - Member decline: -8.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Members Per Employee (MPE): Bottom 5.1% in tier
- - Share Certificate Concentration (%): Bottom 6.0% in tier
- - Total Members: Bottom 6.2% in tier
- - Member Growth Rate: Bottom 8.5% in tier
- - Total Assets: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
250
-8.1% YoY-3.8% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
21,934
+2.5% YoY
|
33,913
+5.7% YoY
|
Bottom 6.1% in tier |
| Assets |
$1.8M
+2.7% YoY-0.7% QoQ
|
$-28.4M |
$30.2M
+1.3% YoY
|
$341.2M
+5.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.6% in tier |
| Loans |
$1.5M
-4.8% YoY-4.5% QoQ
|
$-13.8M |
$15.3M
-2.0% YoY
|
$250.8M
+3.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.6% in tier |
| Deposits |
$1.4M
+0.7% YoY-1.5% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$290.8M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.7% in tier |
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| ROA |
1.7%
+19.7% YoY-14.1% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
1.0%
-6.8% YoY
|
0.4%
-39.2% YoY
|
Top 10.8% in tier |
| NIM |
6.5%
+1.6% YoY-0.0% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
3.9%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
76.2%
-5.4% YoY+3.5% QoQ
|
-14.4% |
90.6%
+6.5% YoY
|
73.8%
+4.7% YoY
|
84.6%
+2.8% YoY
|
37% |
| Delinquency Rate |
13.6%
+6.5% YoY-4.5% QoQ
|
+12.1 |
1.5%
+3.8% YoY
|
1.7%
+17.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.6% in tier |
| Loan To Share |
101.9%
-5.5% YoY-3.0% QoQ
|
+43.4% |
58.5%
-3.0% YoY
|
76.1%
-2.5% YoY
|
65.6%
-1.4% YoY
|
Top 2.8% in tier |
| AMR |
$11,575
+6.5% YoY+0.8% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$23,399
+4.1% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
42.6%
-2.3% YoY-1.2% QoQ
|
+18.3% | 24.3% | 26.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 19.3% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
56
Net Interest Margin (NIM)
profitability
Value:
6.50%
Peer Median: 3.83%
#56 of 2508
Top 2.2% in <100M tier
67
Loan-to-Share Ratio
balance_sheet
Value:
101.92%
Peer Median: 58.72%
#67 of 2508
Top 2.6% in <100M tier
270
Return on Assets (ROA)
profitability
Value:
1.71%
Peer Median: 0.61%
#270 of 2508
Top 10.7% in <100M tier
470
AMR Growth Rate
growth
Value:
6.47%
Peer Median: 1.27%
#470 of 2508
Top 18.7% in <100M tier
470
Net Worth Ratio
risk
Value:
21.12%
Peer Median: 14.28%
#470 of 2508
Top 18.7% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (9 metrics)
2470
Total Delinquency Rate (60+ days)
risk
Value:
13.57%
Peer Median: 0.65%
#2470 of 2508
Bottom 1.6% in <100M tier
2382
Members Per Employee (MPE)
engagement
Value:
83.333
Peer Median: 333.750
#2382 of 2508
Bottom 5.1% in <100M tier
2358
Share Certificate Concentration (%)
balance_sheet
Value:
42.56%
Peer Median: 12.45%
#2358 of 2508
Bottom 6.0% in <100M tier
2353
Total Members
engagement
Value:
250
Peer Median: 1,918
#2353 of 2508
Bottom 6.2% in <100M tier
2295
Member Growth Rate
growth
Value:
-8.09%
Peer Median: -1.37%
#2295 of 2508
Bottom 8.5% in <100M tier
2293
Total Assets
balance_sheet
Value:
$1.82M
Peer Median: $21.86M
#2293 of 2508
Bottom 8.6% in <100M tier
2291
Total Deposits
balance_sheet
Value:
$1.43M
Peer Median: $18.77M
#2291 of 2508
Bottom 8.7% in <100M tier
2142
Total Loans
balance_sheet
Value:
$1.46M
Peer Median: $9.48M
#2142 of 2508
Bottom 14.6% in <100M tier
1908
First Mortgage Concentration (%)
balance_sheet
Value:
26.90%
Peer Median: 3.66%
#1908 of 2508
Bottom 24.0% in <100M tier