BlastPoint's Credit Union Scorecard
GENFED FINANCIAL
Charter #97106 · OH
GENFED FINANCIAL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + Net Interest Margin 0.93% above tier average
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 0.46% above tier average
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,303
-3.3% YoY-2.0% QoQ
|
+8.9K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 13.8% in tier |
| Assets |
$318.3M
+0.7% YoY+3.6% QoQ
|
+$86.5M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$205.9M
-1.7% YoY+0.2% QoQ
|
+$58.5M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$264.0M
-1.0% YoY+4.3% QoQ
|
+$63.2M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
1.3%
+58.9% YoY+1.3% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 14.8% in tier |
| NIM |
4.5%
+15.5% YoY-0.3% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 8.7% in tier |
| Efficiency Ratio |
74.8%
-2.1% YoY-0.7% QoQ
|
-2.2% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.4%
+40.5% YoY+21.4% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
78.0%
-0.7% YoY-3.9% QoQ
|
+5.8% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$19,332
+2.1% YoY+4.6% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
13.4%
-18.7% YoY+25.1% QoQ
|
-11.0% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-39.1% YoY-7.4% QoQ
|
-13.7% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)