BlastPoint's Credit Union Scorecard

GENFED FINANCIAL

Charter #97106 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

GENFED FINANCIAL has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.55% above tier average
+ Net Interest Margin 0.59% above tier average
+ Net Worth Ratio: Top 8.1% 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
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.28% above tier average
- Member decline: -3.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	24,137 -3.3% YoY-0.7% QoQ	+9.0K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 12.9% in tier
Assets	$332.3M +2.7% YoY+4.4% QoQ	+$100.6M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	78%
Loans	$205.5M -0.1% YoY-0.2% QoQ	+$61.4M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	77%
Deposits	$275.3M +1.3% YoY+4.3% QoQ	+$74.1M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +100.7% YoY-3.9% QoQ	+0.6%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	82%
NIM	4.2% +0.6% YoY-6.9% QoQ	+0.6%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	83%
Efficiency Ratio	73.1% -12.1% YoY-2.2% QoQ	-4.9%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	31%
Delinquency Rate	1.1% +46.1% YoY-22.2% QoQ	+0.3	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	78%
Loan To Share	74.7% -1.4% YoY-4.3% QoQ	+4.2%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	55%
AMR	$19,919 +4.1% YoY+3.0% QoQ	$-5K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	32%
CD Concentration	15.6% +11.5% YoY+16.1% QoQ	-8.7%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.1% -37.9% YoY-10.3% QoQ	-13.7%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#156 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.05%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#205 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY

Membership Headwinds

decline

#235 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Overhang

risk

#100 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.69%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 74.66%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Net Worth Ratio

risk

Value: 16.69%

Peer Median: 11.45%

#88 of 1070 Top 8.1% in 100M-500M tier

136

Fee Income Per Member

profitability

Value: $241.75

Peer Median: $154.95

#136 of 1070 Top 12.6% in 100M-500M tier

138

Total Members

engagement

Value: 24,137

Peer Median: 13,200

#138 of 1070 Top 12.8% in 100M-500M tier

186

Net Interest Margin (NIM)

profitability

Value: 4.22%

Peer Median: 3.62%

#186 of 1070 Top 17.3% in 100M-500M tier

189

Return on Assets (ROA)

profitability

Value: 1.28%

Peer Median: 0.69%

#189 of 1070 Top 17.6% in 100M-500M tier

234

Total Assets

balance_sheet

Value: $332.35M

Peer Median: $196.57M

#234 of 1070 Top 21.8% in 100M-500M tier

245

Total Loans

balance_sheet

Value: $205.51M

Peer Median: $121.41M

#245 of 1070 Top 22.8% in 100M-500M tier

257

Share Certificate Concentration (%)

balance_sheet

Value: 15.56%

Peer Median: 23.10%

#257 of 1070 Top 23.9% in 100M-500M tier

258

Total Deposits

balance_sheet

Value: $275.27M

Peer Median: $171.29M

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (2 metrics)

874

Member Growth Rate

growth

Value: -3.32%

Peer Median: -0.06%

#874 of 1070 Bottom 18.4% in 100M-500M tier

834

Total Delinquency Rate (60+ days)

risk

Value: 1.05%

Peer Median: 0.61%

#834 of 1070 Bottom 22.1% in 100M-500M tier