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
- + Relationship Depth Leader: Top 29.7% in tier
- + Wallet Share Momentum: Top 29.7% in tier
- + Net Worth Ratio: Top 3.6% in tier
- + Fee Income Per Member: Top 7.1% in tier
- + Total Loans: Top 7.1% in tier
- + Average Member Relationship (AMR): Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.6% in tier
- - Liquidity Strain: Bottom 21.2% in tier
- - Credit Risk Growth: Bottom 85.9% in tier
- - Flatlined Growth: Bottom 87.5% in tier
- - Stagnation Risk: Bottom 95.3% in tier
- - Membership Headwinds: Bottom 95.3% in tier
- - ROA 0.11% below tier average
- - Delinquency rate 0.29% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 5 that size in California.
- Shares and deposits +3.6% year over year ($8.13B in shares and deposits).
- Membership: 246,291 members, -3.6% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.91%.
- Efficiency ratio 62.05% vs a 66.07% peer average.
- Loan-to-share ratio 95.44% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246,291
-3.6% YoY+0.6% QoQ
|
-192.6K |
438,885
-1.1% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 10.7% in tier |
| Assets |
$9.7B
+1.1% YoY-0.3% QoQ
|
+$768.5M |
$8.9B
+0.0% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$7.8B
+0.9% YoY+0.5% QoQ
|
+$1.5B |
$6.2B
-0.6% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 10.7% in tier |
| Deposits |
$8.1B
+3.6% YoY-0.8% QoQ
|
+$474.2M |
$7.7B
+2.7% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
0.9%
+4.4% YoY-0.4% QoQ
|
-0.1% |
1.0%
+4.7% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
2.7%
+8.9% YoY+1.8% QoQ
|
-0.3% |
3.1%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
62.0%
+1.3% YoY+0.3% QoQ
|
-4.0% |
66.1%
+1.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
1.1%
+32.9% YoY+47.9% QoQ
|
+0.3 |
0.8%
+23.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
95.4%
-2.5% YoY+1.2% QoQ
|
+14.2% |
81.3%
-3.8% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$64,519
+6.0% YoY-0.8% QoQ
|
+$27K |
$37,279
+8.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 10.7% in tier |
| CD Concentration |
32.4%
+4.4% YoY-2.7% QoQ
|
+4.1% | 28.3% | 22.2% | 20.0% | 68% |
| Indirect Auto % | 0.0% | -16.8% | 16.8% | 9.2% | 7.7% | Top 10.6% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
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)