BlastPoint's Credit Union Scorecard

LOGIX

Charter #1999 · CA

Large 7B-10B

29 CUs in 7B-10B nationally 6 in CA

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LOGIX has 7 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 21.9% in tier
+ Wallet Share Momentum: Top 21.9% in tier
+ Fee Income Per Member: Top 3.4% in tier
+ Net Worth Ratio: Top 3.4% in tier
+ Total Loans: Top 6.9% in tier
+ Average Member Relationship (AMR): Top 6.9% in tier
+ Loan-to-Member Ratio (LMR): Top 6.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 19.7% in tier
- Credit Quality Pressure: Bottom 20.3% in tier
- Credit Risk Growth: Bottom 81.2% in tier
- Membership Headwinds: Bottom 93.8% in tier
- Stagnation Risk: Bottom 93.8% in tier
- Delinquency rate 0.11% above tier average
- Member decline: -3.6% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	244,797 -3.6% YoY-5.0% QoQ	-192.1K	436,889 -2.3% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 10.3% in tier
Assets	$9.7B +1.1% YoY+0.6% QoQ	+$806.6M	$8.9B -0.1% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	83%
Loans	$7.7B +0.9% YoY-0.4% QoQ	+$1.6B	$6.1B -1.1% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Top 10.3% in tier
Deposits	$8.2B +3.7% YoY+1.8% QoQ	+$538.0M	$7.7B +1.8% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	66%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +12.7% YoY+3.1% QoQ	+0.0%	0.9% +16.3% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	48%
NIM	2.7% +12.2% YoY+4.5% QoQ	-0.4%	3.1% +6.3% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	61.9% -0.3% YoY+0.6% QoQ	-4.2%	66.1% -2.8% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.7% +18.7% YoY-17.2% QoQ	+0.1	0.6% +12.0% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	69%
Loan To Share	94.3% -2.7% YoY-2.1% QoQ	+13.9%	80.4% -3.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	76%
AMR	$65,018 +6.1% YoY+6.0% QoQ	+$28K	$37,056 +6.8% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 10.3% in tier
CD Concentration	33.3% +6.9% YoY-0.9% QoQ	+4.7%	28.6%	21.6%	19.8%	70%
Indirect Auto %	0.0%	-16.3%	16.4%	9.0%	7.7%	Top 10.6% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#7 of 16 • Top 21.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.12%

(Tier: 4.10%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.9K

(Tier: $3.4K, National: $2.1K)

better than tier avg

16 of 66 Large CUs have this signature | 342 nationally

→ Stable (11→16 CUs) +5 CUs YoY | New qualifier

Wallet Share Momentum

growth

#14 of 15 • Top 21.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.12%

(Tier: 4.10%, National: 6.36%)

better than tier avg

15 of 66 Large CUs have this signature | 637 nationally

→ Stable (12→15 CUs) +3 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#13 of 42 • Bottom 20.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

42 of 66 Large CUs have this signature | 1013 nationally

→ Stable (39→42 CUs) +3 CUs YoY | Rank worsening

Membership Headwinds

decline

#5 of 10 • Bottom 93.8% in tier

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

Why This Signature

Member Growth (YoY): -3.62%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

10 of 66 Large CUs have this signature | 676 nationally

→ No prior data (10 CUs now) | New qualifier

Stagnation Risk

risk

#5 of 10 • Bottom 93.8% 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): -3.62%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.85%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.73%

(Tier: 0.67%, National: 1.19%)

worse than tier avg

10 of 66 Large CUs have this signature | 676 nationally

→ No prior data (10 CUs now) | New qualifier

Liquidity Strain

risk

#17 of 26 • Bottom 19.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.27%

(Tier: 82.82%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.85%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

26 of 66 Large CUs have this signature | 367 nationally

→ Stable (27→26 CUs) -1 CUs YoY | Rank worsening

Credit Risk Growth

risk

#25 of 35 • Bottom 81.2% in tier

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

Why This Signature

Loan Growth (YoY): 0.85%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

35 of 66 Large CUs have this signature | 710 nationally

→ No prior data (35 CUs now) | 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 29 peers in tier

Top Strengths (9 metrics)

Fee Income Per Member

profitability

Value: $299.42

Peer Median: $199.06

#2 of 29 Top 3.4% in 7B-10B tier

Net Worth Ratio

risk

Value: 15.40%

Peer Median: 11.34%

#2 of 29 Top 3.4% in 7B-10B tier

Total Loans

balance_sheet

Value: $7.72B

Peer Median: $6.40B

#3 of 29 Top 6.9% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $65,018

Peer Median: $30,591

#3 of 29 Top 6.9% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $31,551

Peer Median: $13,058

#3 of 29 Top 6.9% in 7B-10B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.02%

Peer Median: 17.02%

#4 of 29 Top 10.3% in 7B-10B tier

Total Assets

balance_sheet

Value: $9.72B

Peer Median: $9.14B

#5 of 29 Top 13.8% in 7B-10B tier

AMR Growth Rate

growth

Value: 6.12%

Peer Median: 2.29%

#6 of 29 Top 17.2% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.27%

Peer Median: 82.39%

#7 of 29 Top 20.7% in 7B-10B tier

Top Weaknesses (6 metrics)

Members Per Employee (MPE)

engagement

Value: 284.317

Peer Median: 401.853

#27 of 29 Bottom 10.3% in 7B-10B tier

Total Members

engagement

Value: 244,797

Peer Median: 421,142

#26 of 29 Bottom 13.8% in 7B-10B tier

Member Growth Rate

growth

Value: -3.62%

Peer Median: 2.73%

#25 of 29 Bottom 17.2% in 7B-10B tier

Asset Growth Rate

growth

Value: 1.11%

Peer Median: 3.62%

#24 of 29 Bottom 20.7% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 49.89%

Peer Median: 37.49%

#24 of 29 Bottom 20.7% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 2.70%

Peer Median: 3.05%

#23 of 29 Bottom 24.1% in 7B-10B tier