BlastPoint's Credit Union Scorecard
LOGIX
Charter #1999 · CA
LOGIX has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 47.2% in tier
- + Organic Growth Leader: Top 78.6% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.0% in tier
- + Indirect Auto Concentration (%): Top 6.1% in tier
- + Net Worth Ratio: Top 9.1% in tier
- + Total Loans: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.6% in tier
- - Flatlined Growth: Bottom 40.0% in tier
- - Liquidity Strain: Bottom 65.6% in tier
- - Credit Risk Growth: Bottom 70.0% in tier
- - ROA 0.08% below tier average
- - Delinquency rate 0.17% above tier average
- - Total Members: Bottom 9.1% in tier
- - Members Per Employee (MPE): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
257,619
+2.0% YoY+0.4% QoQ
|
-188.3K |
445,922
+0.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 6.1% in tier |
| Assets |
$9.7B
-0.7% YoY-0.7% QoQ
|
+$731.5M |
$8.9B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$7.8B
+0.9% YoY+0.3% QoQ
|
+$1.5B |
$6.3B
+0.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 12.1% in tier |
| Deposits |
$8.1B
+3.2% YoY+1.2% QoQ
|
+$532.7M |
$7.5B
+1.2% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.9%
+30.3% YoY-1.6% QoQ
|
-0.1% |
1.0%
+27.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
2.6%
+20.2% YoY+0.8% QoQ
|
-0.4% |
3.0%
+12.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
61.5%
-7.6% YoY+0.6% QoQ
|
-3.3% |
64.8%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.9%
+17.3% YoY-8.2% QoQ
|
+0.2 |
0.7%
+5.5% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
96.3%
-2.2% YoY-0.8% QoQ
|
+12.9% |
83.4%
-0.6% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$61,349
+0.1% YoY+0.3% QoQ
|
+$27K |
$34,266
-1.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 6.1% in tier |
| CD Concentration |
33.6%
+3.0% YoY+2.4% QoQ
|
+4.4% | 29.1% | 21.7% | 19.8% | 66% |
| Indirect Auto % |
0.0%
-49.3% YoY-15.7% QoQ
|
-17.1% | 17.1% | 9.2% | 7.8% | Bottom 10.4% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)