BlastPoint's Credit Union Scorecard

LEGACY COMMUNITY

Charter #24421 · AL

Community 500M-750M

167 CUs in 500M-750M nationally 2 in AL

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LEGACY COMMUNITY has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 12.4% in tier
+ Asset Growth Rate: Top 3.0% in tier
+ Total Assets: Top 4.8% in tier
+ Deposit Growth Rate: Top 5.4% in tier
+ Total Deposits: Top 8.4% in tier
+ AMR Growth Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 2.3% in tier
- Credit Quality Pressure: Bottom 4.8% in tier
- Indirect Auto Dependency: Bottom 5.0% in tier
- Credit Risk Growth: Bottom 10.2% in tier
- Efficiency Drag: Bottom 43.3% in tier
- ROA 0.07% below tier average
- Efficiency ratio 1.84% above tier (higher cost structure)
- Delinquency rate 0.37% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	39,671 +3.3% YoY+32.4% QoQ	+1.6K	38,079 -4.8% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	59%
Assets	$736.3M +12.9% YoY+0.3% QoQ	+$116.7M	$619.7M -0.2% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	Top 5.4% in tier
Loans	$428.9M +12.8% YoY-2.3% QoQ	+$9.6M	$419.3M -1.4% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	50%
Deposits	$638.3M +12.3% YoY+0.4% QoQ	+$98.8M	$539.5M -0.1% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	Top 9.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -57.7% YoY-31.7% QoQ	-0.1%	0.7% +36.0% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	50%
NIM	2.9% +14.4% YoY+13.9% QoQ	-0.5%	3.5% +4.5% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	Bottom 14.4% in tier
Efficiency Ratio	80.2% +27.8% YoY+15.7% QoQ	+1.8%	78.4% -3.7% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	1.1% +217.7% YoY+17.6% QoQ	+0.4	0.7% -0.9% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	80%
Loan To Share	67.2% +0.5% YoY-2.7% QoQ	-10.5%	77.7% -1.2% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	19%
AMR	$26,900 +8.9% YoY-25.0% QoQ	$-27	$26,927 +3.1% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	60%
CD Concentration	25.9% -1.7% YoY-1.3% QoQ	+1.7%	24.3%	21.3%	19.8%	57%
Indirect Auto %	25.9% -23.0% YoY-2.6% QoQ	+12.1%	13.8%	5.1%	7.7%	79%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#166 of 491 • Top 12.4% in tier

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

Why This Signature

AMR Growth (YoY): 8.91%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#17 of 476 • Bottom 10.2% in tier

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

Why This Signature

Loan Growth (YoY): 12.83%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.73% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#7 of 83 • Bottom 2.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 17.43% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 47.73%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 284 Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#64 of 727 • Bottom 4.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.73% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#148 of 504 • Bottom 5.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 12.89%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 25.89%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.31%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#585 of 596 • Bottom 43.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.23%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.84% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.31%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | 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 167 peers in tier

Top Strengths (8 metrics)

Asset Growth Rate

growth

Value: 12.89%

Peer Median: 4.66%

#6 of 167 Top 3.0% in 500M-750M tier

Total Assets

balance_sheet

Value: $736.34M

Peer Median: $619.16M

#9 of 167 Top 4.8% in 500M-750M tier

Deposit Growth Rate

growth

Value: 12.31%

Peer Median: 4.02%

#10 of 167 Top 5.4% in 500M-750M tier

Total Deposits

balance_sheet

Value: $638.25M

Peer Median: $543.36M

#15 of 167 Top 8.4% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.91%

Peer Median: 4.03%

#17 of 167 Top 9.6% in 500M-750M tier

Loan Growth Rate

growth

Value: 12.83%

Peer Median: 4.25%

#18 of 167 Top 10.2% in 500M-750M tier

Net Worth Ratio

risk

Value: 13.30%

Peer Median: 10.35%

#26 of 167 Top 15.0% in 500M-750M tier

Member Growth Rate

growth

Value: 3.31%

Peer Median: 1.03%

#32 of 167 Top 18.6% in 500M-750M tier

Top Weaknesses (4 metrics)

143

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Median: 3.48%

#143 of 167 Bottom 15.0% in 500M-750M tier

136

Loan-to-Share Ratio

balance_sheet

Value: 67.20%

Peer Median: 79.97%

#136 of 167 Bottom 19.2% in 500M-750M tier

134

Total Delinquency Rate (60+ days)

risk

Value: 1.07%

Peer Median: 0.62%

#134 of 167 Bottom 20.4% in 500M-750M tier

129

Indirect Auto Concentration (%)

balance_sheet

Value: 25.89%

Peer Median: 10.91%

#129 of 167 Bottom 23.4% in 500M-750M tier