BlastPoint's Credit Union Scorecard

LEGACY COMMUNITY

Charter #24421 · AL

Community 500M-750M

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

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LEGACY COMMUNITY has 9 strengths but faces 10 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

+ Relationship Depth Leader: Top 0.0% in tier
+ Wallet Share Momentum: Top 0.4% in tier
+ ROA 0.24% above tier average
+ AMR Growth Rate: Top 0.0% in tier
+ Total Assets: Top 4.2% in tier
+ Deposit Growth Rate: Top 5.5% in tier
+ Asset Growth Rate: Top 6.1% in tier
+ Loan Growth Rate: Top 7.3% in tier
+ Total Deposits: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 0.4% in tier
- Indirect Auto Dependency: Bottom 4.0% in tier
- Credit Risk Growth: Bottom 6.8% in tier
- Credit Quality Pressure: Bottom 25.1% in tier
- Stagnation Risk: Bottom 37.2% in tier
- Delinquency rate 0.07% above tier average
- Member decline: -22.9% YoY
- Member Growth Rate: Bottom 0.6% in tier
- Members Per Employee (MPE): Bottom 3.6% in tier
- Net Interest Margin (NIM): Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	29,974 -22.9% YoY-25.5% QoQ	-8.6K	38,575 -4.8% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	19%
Assets	$734.0M +14.2% YoY+1.2% QoQ	+$112.3M	$621.7M +0.1% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	Top 4.8% in tier
Loans	$439.2M +13.8% YoY-1.3% QoQ	+$9.4M	$429.8M -1.8% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	54%
Deposits	$636.0M +12.8% YoY+1.0% QoQ	+$97.3M	$538.7M +0.6% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	Top 7.9% 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	0.9% +54.0% YoY-11.3% QoQ	+0.2%	0.7% +42.9% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	68%
NIM	2.6% +13.7% YoY-1.1% QoQ	-0.9%	3.4% +8.0% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	Bottom 6.7% in tier
Efficiency Ratio	69.3% -11.5% YoY+3.1% QoQ	-8.2%	77.5% -4.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	17%
Delinquency Rate	0.9% +72.8% YoY+185.9% QoQ	+0.1	0.8% -1.1% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	68%
Loan To Share	69.1% +0.9% YoY-2.3% QoQ	-10.8%	79.8% -2.3% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	18%
AMR	$35,872 +46.8% YoY+34.2% QoQ	+$9K	$26,849 +2.7% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	Top 10.9% in tier
CD Concentration	26.3% -2.6% YoY-2.4% QoQ	+1.8%	24.4%	21.2%	19.8%	57%
Indirect Auto %	26.6% -23.7% YoY-3.2% QoQ	+12.8%	13.8%	5.2%	7.8%	79%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#1 of 268 • Top 0.0% 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): 46.84%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.8K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#3 of 513 • Top 0.4% in tier

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

Why This Signature

AMR Growth (YoY): 46.84%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#3 of 554 • Bottom 0.4% in tier

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

Why This Signature

Member Growth (YoY): -22.89%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#21 of 506 • Bottom 4.0% in tier

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

Why This Signature

Asset Growth (YoY): 14.17%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 26.58%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -22.89%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Risk Growth

risk

#32 of 456 • Bottom 6.8% in tier

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

Why This Signature

Loan Growth (YoY): 13.84%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.38% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#178 of 705 • Bottom 25.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#207 of 554 • Bottom 37.2% 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): -22.89%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 13.84%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.91%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

652 nationally

→ No prior data (554 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 165 peers in tier

Top Strengths (11 metrics)

AMR Growth Rate

growth

Value: 46.84%

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Total Assets

balance_sheet

Value: $734.03M

Peer Median: -

#8 of 165 Top 4.2% in 500M-750M tier

Deposit Growth Rate

growth

Value: 12.81%

Peer Median: -

#10 of 165 Top 5.5% in 500M-750M tier

Asset Growth Rate

growth

Value: 14.17%

Peer Median: -

#11 of 165 Top 6.1% in 500M-750M tier

Loan Growth Rate

growth

Value: 13.84%

Peer Median: -

#13 of 165 Top 7.3% in 500M-750M tier

Total Deposits

balance_sheet

Value: $636.01M

Peer Median: -

#13 of 165 Top 7.3% in 500M-750M tier

Fee Income Per Member

profitability

Value: $295.16

Peer Median: -

#18 of 165 Top 10.3% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $35,872

Peer Median: -

#18 of 165 Top 10.3% in 500M-750M tier

Net Worth Ratio

risk

Value: 13.55%

Peer Median: -

#24 of 165 Top 13.9% in 500M-750M tier

Efficiency Ratio

profitability

Value: 69.33%

Peer Median: -

#29 of 165 Top 17.0% in 500M-750M tier

Top Weaknesses (6 metrics)

165

Member Growth Rate

growth

Value: -22.89%

Peer Median: -

#165 of 165 Bottom 0.6% in 500M-750M tier

160

Members Per Employee (MPE)

engagement

Value: 223.687

Peer Median: -

#160 of 165 Bottom 3.6% in 500M-750M tier

154

Net Interest Margin (NIM)

profitability

Value: 2.59%

Peer Median: -

#154 of 165 Bottom 7.3% in 500M-750M tier

135

Loan-to-Share Ratio

balance_sheet

Value: 69.06%

Peer Median: -

#135 of 165 Bottom 18.8% in 500M-750M tier

134

Total Members

engagement

Value: 29,974

Peer Median: -

#134 of 165 Bottom 19.4% in 500M-750M tier

128

Indirect Auto Concentration (%)

balance_sheet

Value: 26.58%

Peer Median: -

#128 of 165 Bottom 23.0% in 500M-750M tier