LEGACY COMMUNITY

Charter #24421 | AL

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in AL

LEGACY COMMUNITY has 8 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.0% in tier
  • + Wallet Share Momentum: Top 5.5% in tier
  • + Organic Growth Engine: Top 18.4% in tier
  • + ROA 0.35% above tier average
  • + Asset Growth Rate: Top 5.9% in tier
  • + Loan Growth Rate: Top 8.9% in tier
  • + Total Assets: Top 9.5% in tier
  • + Total Deposits: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 6.7% in tier
  • - Liquidity Overhang: Bottom 16.6% in tier
  • - Net Interest Margin (NIM): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 40,222
+2.6% YoY+5.5% QoQ
 +469 39,752
-2.7% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 57th in tier
Assets $725.7M
+12.7% YoY+11.6% QoQ
 +$103.3M $622.4M
+0.3% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 Top 10.1% in tier
Loans $445.0M
+12.6% YoY+17.3% QoQ
 +$9.1M $435.9M
-0.4% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 54th in tier
Deposits $629.7M
+11.5% YoY+11.7% QoQ
 +$91.7M $538.0M
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 Top 10.1% in tier
ROA 1.0%
+85.4% YoY-11.0% QoQ
 +0.4% 0.7%
+33.9% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 Top 21.9% in tier
NIM 2.6%
+18.2% YoY-3.2% QoQ
 -0.8% 3.4%
+8.6% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 Bottom 8.3% in tier
Efficiency Ratio 67.2%
-15.4% YoY+2.0% QoQ
 -10.9% 78.1%
-3.4% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 11.2% in tier
Delinquency Rate 0.3%
-41.8% YoY-30.6% QoQ
 -0.5 0.8%
-4.9% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 Bottom 17.2% in tier
Loan To Share 70.7%
+1.0% YoY+5.0% QoQ
 -10.4% 81.0%
-1.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 Bottom 21.3% in tier
AMR $26,721
+9.1% YoY+8.0% QoQ
 +$239 $26,482
+2.6% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 61st in tier
CD Concentration 26.9%
+1.0% YoY+0.5% QoQ
 +2.5% 24.4%
+4.2% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 60th in tier
Indirect Auto % 27.5%
-22.8% YoY-16.4% QoQ
 +13.5% 14.0%
-5.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 Top 20.3% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#85 of 1006 • Top 3.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.13%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#154 of 1006 • Top 5.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.13%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#338 of 603 • Top 18.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.59%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.01%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 27.46%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#108 of 525 • Bottom 6.7% in tier

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

Why This Signature
Asset Growth (YoY): 12.68%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 27.46%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.59%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#258 of 552 • Bottom 16.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.81%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 70.67%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (11 metrics)

11
Asset Growth Rate
growth
Value: 12.68%
Peer Avg: 4.33%
#11 of 169 Top 5.9% in 500M-750M tier
16
Loan Growth Rate
growth
Value: 12.63%
Peer Avg: 4.04%
#16 of 169 Top 8.9% in 500M-750M tier
17
Total Assets
balance_sheet
Value: $725.66M
Peer Avg: $622.38M
#17 of 169 Top 9.5% in 500M-750M tier
17
Total Deposits
balance_sheet
Value: $629.73M
Peer Avg: $538.02M
#17 of 169 Top 9.5% in 500M-750M tier
18
Deposit Growth Rate
growth
Value: 11.49%
Peer Avg: 5.25%
#18 of 169 Top 10.1% in 500M-750M tier
19
AMR Growth Rate
growth
Value: 9.13%
Peer Avg: 3.12%
#19 of 169 Top 10.7% in 500M-750M tier
20
Efficiency Ratio
profitability
Value: 67.22%
Peer Avg: 78.10%
#20 of 169 Top 11.2% in 500M-750M tier
24
Net Worth Ratio
risk
Value: 13.81%
Peer Avg: 10.94%
#24 of 169 Top 13.6% in 500M-750M tier
30
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Avg: 0.80%
#30 of 169 Top 17.2% in 500M-750M tier
37
Return on Assets (ROA)
profitability
Value: 1.01%
Peer Avg: 0.66%
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (3 metrics)

155
Net Interest Margin (NIM)
profitability
Value: 2.62%
Peer Avg: 3.43%
#155 of 169 Bottom 8.9% in 500M-750M tier
133
Loan-to-Share Ratio
balance_sheet
Value: 70.67%
Peer Avg: 81.02%
#133 of 169 Bottom 21.9% in 500M-750M tier
128
Indirect Auto Concentration (%)
balance_sheet
Value: 27.46%
Peer Avg: 16.19%
#128 of 169 Bottom 24.9% in 500M-750M tier