LOGIX

Charter #1999 | CA

7B-10B (30 CUs) Large (64 CUs)
5 7B-10B in CA

LOGIX has 9 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 20.3% in tier
  • + Organic Growth Leader: Top 28.9% in tier
  • + Average Member Relationship (AMR): Top 3.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 3.3% in tier
  • + Indirect Auto Concentration (%): Top 6.7% in tier
  • + Total Loans: Top 6.7% in tier
  • + Fee Income Per Member: Top 10.0% in tier
  • + Net Worth Ratio: Top 10.0% in tier
  • + Total Assets: Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.8% in tier
  • - Growth-at-Risk: Bottom 12.4% in tier
  • - Liquidity Strain: Bottom 21.2% in tier
  • - Liquidity Overhang: Bottom 21.8% in tier
  • - ROA 0.13% below tier average
  • - Delinquency rate 0.29% above tier average
  • - Members Per Employee (MPE): Bottom 6.7% in tier
  • - Total Members: Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 256,502
+2.0% YoY+0.4% QoQ
 -202.8K 459,296
+3.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 3.3% in tier
Assets $9.7B
-1.8% YoY+1.5% QoQ
 +$808.8M $8.9B
+1.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 13.3% in tier
Loans $7.7B
+0.8% YoY+0.5% QoQ
 +$1.4B $6.3B
+2.9% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 10.0% in tier
Deposits $8.0B
+3.7% YoY+1.4% QoQ
 +$505.5M $7.5B
+2.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 60th in tier
ROA 0.9%
+29.4% YoY+3.2% QoQ
 -0.1% 1.0%
+22.1% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 47th in tier
NIM 2.6%
+21.7% YoY+1.6% QoQ
 -0.4% 3.0%
+11.5% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 16.7% in tier
Efficiency Ratio 61.1%
-7.9% YoY-0.3% QoQ
 -2.6% 63.7%
-2.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 40th in tier
Delinquency Rate 1.0%
+74.4% YoY+18.3% QoQ
 +0.3 0.7%
+10.8% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 20.0% in tier
Loan To Share 97.1%
-2.8% YoY-0.9% QoQ
 +11.6% 85.4%
+0.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 70th in tier
AMR $61,155
+0.3% YoY+0.5% QoQ
 +$27K $33,660
-2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 6.7% in tier
CD Concentration 32.8%
+0.9% YoY+5.7% QoQ
 +3.9% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 64th in tier
Indirect Auto % 0.0%
-48.7% YoY-17.4% QoQ
 -16.6% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 9.4% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#31 of 50 • Top 20.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.98%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.03%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Organic Growth Leader

growth
#25 of 28 • Top 28.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.98%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#2 of 34 • Bottom 0.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.41% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Growth-at-Risk

risk
#13 of 25 • Bottom 12.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 0.84%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.41% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | New qualifier

Liquidity Strain

risk
#19 of 32 • Bottom 21.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 97.09%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.84%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#13 of 24 • Bottom 21.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.93%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 97.09%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY

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)

Comparing against 30 peers in tier

Top Strengths (7 metrics)

2
Average Member Relationship (AMR)
engagement
Value: $61,155
Peer Avg: $33,660
#2 of 30 Top 3.3% in 7B-10B tier
2
Loan-to-Member Ratio (LMR)
engagement
Value: $30,125
Peer Avg: $15,544
#2 of 30 Top 3.3% in 7B-10B tier
3
Indirect Auto Concentration (%)
balance_sheet
Value: 0.03%
Peer Avg: 18.85%
#3 of 30 Top 6.7% in 7B-10B tier
3
Total Loans
balance_sheet
Value: $7.73B
Peer Avg: $6.34B
#3 of 30 Top 6.7% in 7B-10B tier
4
Fee Income Per Member
profitability
Value: $274.01
Peer Avg: $199.46
#4 of 30 Top 10.0% in 7B-10B tier
4
Net Worth Ratio
risk
Value: 14.93%
Peer Avg: 12.36%
#4 of 30 Top 10.0% in 7B-10B tier
4
Total Assets
balance_sheet
Value: $9.73B
Peer Avg: $8.92B
#4 of 30 Top 10.0% in 7B-10B tier

Top Weaknesses (6 metrics)

29
Members Per Employee (MPE)
engagement
Value: 303.912
Peer Avg: 450.512
#29 of 30 Bottom 6.7% in 7B-10B tier
29
Total Members
engagement
Value: 256,502
Peer Avg: 459,296
#29 of 30 Bottom 6.7% in 7B-10B tier
27
Asset Growth Rate
growth
Value: -1.76%
Peer Avg: 2.91%
#27 of 30 Bottom 13.3% in 7B-10B tier
25
Net Interest Margin (NIM)
profitability
Value: 2.56%
Peer Avg: 3.00%
#25 of 30 Bottom 20.0% in 7B-10B tier
25
Total Delinquency Rate (60+ days)
risk
Value: 0.96%
Peer Avg: 0.67%
#25 of 30 Bottom 20.0% in 7B-10B tier
25
First Mortgage Concentration (%)
balance_sheet
Value: 50.54%
Peer Avg: 38.48%
#25 of 30 Bottom 20.0% in 7B-10B tier