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 3 strengths but faces 7 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 12.3% in tier
+ Deposit Growth Rate: Top 5.5% in tier
+ Asset Growth Rate: Top 6.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.4% in tier
- Indirect Auto Dependency: Bottom 5.7% in tier
- Cost Spiral: Bottom 6.1% in tier
- Credit Risk Growth: Bottom 11.5% in tier
- Margin Compression: Bottom 44.3% in tier
- Delinquency rate 0.83% above tier average
- Total Delinquency Rate (60+ days): Bottom 7.3% in tier

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 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Alabama.
Shares and deposits +12.1% year over year ($632M in shares and deposits).
Membership: 39,234 members, +2.9% vs a year ago.
Delinquency rate 1.64%.
Return on assets 0.84%.
Efficiency ratio 75.39% vs a 76.56% peer average.
Loan-to-share ratio 67.58% vs a 79.33% 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 (AL)	National Avg	Tier Percentile
Members	39,234 +2.9% YoY-1.1% QoQ	+1.3K	37,897 -5.0% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	58%
Assets	$727.2M +11.8% YoY-1.2% QoQ	+$104.8M	$622.4M +0.6% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	Top 11.5% in tier
Loans	$426.9M +12.5% YoY-0.5% QoQ	$-1.6M	$428.5M -0.7% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	48%
Deposits	$631.6M +12.1% YoY-1.0% QoQ	+$91.9M	$539.8M +0.9% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	Top 11.5% 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	0.8% -26.4% YoY+36.6% QoQ	+0.0%	0.8% +39.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	58%
NIM	3.2% +17.3% YoY+7.6% QoQ	-0.4%	3.5% +5.0% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	27%
Efficiency Ratio	75.4% +14.4% YoY-6.0% QoQ	-1.2%	76.6% -3.6% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	38%
Delinquency Rate	1.6% +256.7% YoY+53.0% QoQ	+0.8	0.8% +3.1% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	Bottom 7.3% in tier
Loan To Share	67.6% +0.4% YoY+0.6% QoQ	-11.7%	79.3% -1.4% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	18%
AMR	$26,979 +9.0% YoY+0.3% QoQ	$-316	$27,294 +4.1% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	59%
CD Concentration	26.2% -2.2% YoY+1.0% QoQ	+1.6%	24.6%	21.8%	20.0%	58%
Indirect Auto %	24.8% -24.5% YoY-4.2% QoQ	+11.2%	13.6%	5.2%	7.7%	78%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#158 of 483 • Top 12.3% in tier

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

Why This Signature

AMR Growth (YoY): 9.04%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#5 of 472 • Bottom 11.5% in tier

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

Why This Signature

Loan Growth (YoY): 12.48%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 1.18% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#31 of 693 • Bottom 2.4% in tier

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

Why This Signature

Delinquency Change (YoY): 1.18% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Cost Spiral

risk

#20 of 95 • Bottom 6.1% 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: 9.46% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.92%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 276 Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#155 of 476 • Bottom 5.7% in tier

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

Why This Signature

Asset Growth (YoY): 11.83%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 24.81%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.93%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Margin Compression

decline

#84 of 140 • Bottom 44.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.84%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.14%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.30% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 276 Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 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 165 peers in tier

Top Strengths (7 metrics)

Deposit Growth Rate

growth

Value: 12.07%

Peer Median: 4.04%

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

Asset Growth Rate

growth

Value: 11.83%

Peer Median: 4.61%

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

Total Assets

balance_sheet

Value: $727.22M

Peer Median: $621.76M

#19 of 165 Top 10.9% in 500M-750M tier

Total Deposits

balance_sheet

Value: $631.61M

Peer Median: $542.48M

#19 of 165 Top 10.9% in 500M-750M tier

Loan Growth Rate

growth

Value: 12.48%

Peer Median: 4.82%

#20 of 165 Top 11.5% in 500M-750M tier

AMR Growth Rate

growth

Value: 9.04%

Peer Median: 3.83%

#20 of 165 Top 11.5% in 500M-750M tier

Net Worth Ratio

risk

Value: 13.28%

Peer Median: 10.42%

#30 of 165 Top 17.6% in 500M-750M tier

Top Weaknesses (3 metrics)

154

Total Delinquency Rate (60+ days)

risk

Value: 1.64%

Peer Median: 0.70%

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

135

Loan-to-Share Ratio

balance_sheet

Value: 67.58%

Peer Median: 81.50%

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

126

Indirect Auto Concentration (%)

balance_sheet

Value: 24.81%

Peer Median: 9.93%

#126 of 165 Bottom 24.2% in 500M-750M tier