BlastPoint's Credit Union Scorecard
LOGIX
Charter #1999 · CA
LOGIX has 9 strengths but faces 7 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 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
- - Credit Risk Growth: Bottom 12.4% in tier
- - Liquidity Strain: Bottom 21.2% 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
|
60% |
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| 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
|
47% |
| 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
|
17% |
| 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
|
40% |
| 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
|
80% |
| 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
|
70% |
| 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
|
64% |
| 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
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 (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)