BlastPoint's Credit Union Scorecard
LOCOGA
Charter #13516 · GA
LOCOGA has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.06% below tier average
- - Efficiency ratio 43.34% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Net Worth Ratio: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
668
-4.2% YoY-1.0% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$4.4M
-6.5% YoY-4.1% QoQ
|
$-25.8M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.7M
+1.9% YoY+0.5% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$4.1M
-4.7% YoY-1.4% QoQ
|
$-21.6M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
19% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-2.4%
-8655.4% YoY-724.6% QoQ
|
-3.1% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.5% in tier |
| NIM |
4.3%
+2.9% YoY+7.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
125.9%
+38.4% YoY+37.7% QoQ
|
+43.3% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 3.2% in tier |
| Delinquency Rate | 0.1% | -1.5 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
66.5%
+6.9% YoY+1.9% QoQ
|
+5.9% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$10,104
+2.1% YoY+0.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
9.5%
-1.6% YoY-8.8% QoQ
|
-15.0% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)