BlastPoint's Credit Union Scorecard
LOCOGA
Charter #13516 · GA
LOCOGA has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.19% above tier average
- + Net Charge-Off Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.49% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Net Worth Ratio: Bottom 2.4% in tier
- - Asset Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
662
-4.9% YoY-0.9% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$4.4M
-7.1% YoY+0.7% QoQ
|
$-25.8M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.7M
-2.3% YoY-0.3% QoQ
|
$-12.6M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$4.1M
-5.1% YoY+0.8% QoQ
|
$-21.7M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.2%
-25.9% YoY-109.6% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
4.2%
+21.7% YoY-2.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
95.1%
+3.1% YoY-24.4% QoQ
|
+4.5% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
1.3%
+1244.5% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
65.8%
+3.0% YoY-1.0% QoQ
|
+7.3% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$10,230
+0.9% YoY+1.2% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
9.4%
-1.2% YoY-0.4% QoQ
|
-14.9% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 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)